The Citi Simplicity has a high approval bar – but if you have carefully managed your credit, the card may be within reach. A good score and record can give you an advantage when applying for this sought-after product.

After your account is approved, it’ll take up to three weeks for the transfer to be complete. Make sure you keep track of any payments due on your original account during this time — until everything has been successfully transferred over!

The Citi Simplicity is a Mastercard, and you can enjoy the convenience and security of a widely accepted payment method. Plus, your card is equipped with exclusive benefits like zero liability protection in case of fraud or theft, global service for easy international transactions, and powerful identity theft protection to safeguard your personal information.

With this credit card, you won’t be starting with chump change. You can get an initial minimum limit of $500; the potential is there to go even higher depending on your financial history, income level, and debt-to-credit ratio. It’s worth noting that although having a higher credit limit may come in handy down the line, it shouldn’t be your primary focus when applying for this card.