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Citi Simplicity® Card - No Late Fees Ever's Expert Rating- click here to view rating methodology.
Intro APR Purchase
0% for 12 months on Purchases
Apply Now Credit Needed Excellent/Good

Intro APR Balance Transfer

0% for 21 months on Balance Transfers

Regular APR

16.24% - 26.24% (Variable)

Annual Fee

  • One of the market leaders in 0% APR duration for purchases and balance transfers
  • No annual fee
  • No late fees
  • High balance transfer fee
  • No rewards program

Card Highlights

  • 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
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

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