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Citi Simplicity® Card - No Late Fees Ever
- Balance Transfers Intro APR
- 0%* 21 months on Balance Transfers*
- Purchases Intro APR
- 0%* 12 months on Purchases*
- Regular APR
- 16.24% - 26.24%* (Variable)
- Annual Fee
- $0*
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
Features
Staff Review
Editor's Rating: 3.7 out of 5 |
Our take: The Citi Simplicity card offers an exceptionally long introductory period for balance transfers, but unfortunately also includes a larger balance transfer fee that can make transferring a balance expensive. |