Citi Simplicity® Card - No Late Fees Ever

Highlights

• The only card with No Late Fees, No Penalty Rate, and No Annual Fee... Ever
• 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
• 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
• If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
• There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
• The same great rate for all balances, after the introductory period
• Save time when you call with fast, personal help, 24 hours a day — just say "representative"
• Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month