- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
- Stay protected with Citi® Quick Lock
- 0% Introductory APR
- Balance Transfer
- No Annual Fee
4.3 out of 5
Our take: The Citi Simplicity card offers a very long introductory period for balance transfers and carries minimal fees, making it a great option if you're ready to put debt behind you once and for all.