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Citi Simplicity® Card - No Late Fees Ever

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Intro APR Purchase
0%* for 21 months*
Apply Now Credit Needed Excellent/Good

Intro APR Balance Transfer

0% for 21 months*

Regular APR

13.24% - 23.24% (Variable)

Annual Fee

$0*
Pros
  • 0% APR for 21 months on purchases and balance transfers
  • No annual fee
  • No late fees
Cons
  • No rewards program

Card Highlights

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% 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.

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