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Citi Simplicity® Card – No Late Fees Ever

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Our rating
Credit range: Good
Annual Fee: $0
Regular APR: 16.24% - 26.24% (Variable)
Intro Balance Transfer APR: 0% for 21 months
Intro Purchase APR: 0% for 12 months

Citi Simplicity® Card – No Late Fees Ever

Our rating
Good Credit range
$0 Annual Fee
How To Apply Read our Review

Highlights & Features

Balance Transfers

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 21 months
Regular Balance Transfer APR 16.24% - 26.24% (Variable)
Balance Transfer Fee 5% of each balance transfer; $5 minimum.
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

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 16.24% - 26.24% (Variable)
Cash Advance Fee 5% of each cash advance; $10 minimum
How to Get a Cash Advance with a Credit Card


Citi has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-950-5114 or

Try a different phone number
See all Issuer Cards

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 16.24% - 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.