The Citi Simplicity Card offers a long 0% introductory balance transfer APR for 21 months, which few other credit cards can match, and some general shopping and travel benefits.
Purchases will get a shorter term, of 0% for 12 months. After the intro periods are over, a regular rate of 16.74% - 26.74%* (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.