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Citi Simplicity® Card - No Late Fees Ever

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Intro APR Purchase
0%* for 12 months on Purchases*
Apply Now Credit Needed Excellent/Good

Intro APR Balance Transfer

0%* 21 months on Balance Transfers* for 21 months

Regular APR

15.99% - 25.99%* (Variable)

Annual Fee

$0*
Pros
  • One of the market leaders in 0% APR duration for purchases and balance transfers
  • No annual fee
  • No late fees
Cons
  • Balance transfer fee
  • 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 for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, 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 balance, 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

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