The Citi Simplicity Card offers a long 0% introductory APR for 21 months for balance transfers, which only a few other credit cards offer, and some general shopping and travel benefits.
Purchases will get a shorter term, of 12 months at 0% APR. After the intro periods are over, a regular rate of 16.24%–26.24% Variable will apply for both purchases and balance transfers.
This makes the Simplicity one of the best cards for paying off balances, although it’s not quite as good for new purchases.
There’s no annual fee, no late fees, and no penalty APR.