For People with
Good Credit
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 15.99%–25.99% Variable will apply for both purchases and balance transfers.
There’s no annual fee, no late fees, and no penalty APR.
For People with
Good Credit
Want to pay a bill or check your balance?
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
How balance transfers work
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
How cash advances workCheck your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.
Call any time and just say “representative” to speak to a customer service representative immediately.
Pick the time of month you’d like to have your bills due.
Get free access to your FICO® Score from Equifax, the key factors that affect it, and a personalized history graph.
Help dealing with and resolving issues of identity theft.
You are not held responsible for unauthorized transactions on your card.
Eligible warranties of 5 years or less can be extended by up to an additional year; up to $10,000 per year.
If you made an eligible purchase in the U.S. that you find advertised at a cheaper price within 60 days, you can be reimbursed for the difference; up to $300 per item, $1,200 per year.
Provides help with emergencies, including legal and medical referrals.
Provides coverage against theft and collision for eligible vehicles, as long as the car rental company’s own insurance is declined; up to $50,000.
Not the card for you? Try one of these:
Read more about this card.
Looking for credit cards with car rental insurance? This post explains the different options and terms — and selects four cards with the best coverage.
Read More
Looking for a new travel rewards credit card? Check out the Bank of America Premium Rewards card, offering 2X points on travel and dining for a $95 fee.
Read MoreIf you're looking for a simple, flat-rate cash back card, check out the Cash Magnet Card from American Express, offering 1.5% cash back with a $250 bonus.
Read More
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Perks
Security
Shopping
Travel
