CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers.
- 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 16.74% - 26.74%, based on your creditworthiness
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% - 26.74%, 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
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.