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As the name suggests, the Citi Simplicity Card keeps it simple. A great choice to help pay off credit cards with higher rates, it has a very long 0% introductory balance transfer and purchase APR period. While it offers no rewards, it also comes with no annual fee, late fee, or penalty APR.
The information related to Citi Simplicity® Card – No Late Fees Ever has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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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.
Intro Balance Transfer APR | 0% for 18 months |
Regular Balance Transfer APR | 14.74% - 24.74% (Variable) |
Balance Transfer Fee | 3%, $5 minimum |
Penalty APR | N/A |
Late Fee | None |
Returned Payment Fee | Up to $40 |
Additional Cards Annual Fee | N/A |
Foreign Transaction Fee | 3% |
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.
Cash Advance APR | 25.24% (Variable) |
Cash Advance Fee | 5%; $10 minimum |
Citi has several card types depending on your needs.
You can usually pay your bill online on your
Credit card issuer's websiteThe Citi Simplicity Card offers a long 0% introductory balance transfer APR for 18 months, which few other credit cards can match, and some general shopping and travel benefits.
Purchases will get 0% for 18 months. After the intro periods are over, a regular rate of 14.74% - 24.74% (Variable) will apply for both purchases and balance transfers.
This makes the Simplicity one of the best cards for paying off balances and new purchases.
There’s no annual fee, no late fees, and no penalty APR.