Skip to content

Citi Simplicity® Card – No Late Fees Ever

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

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.

Apply Now Read our Review

Citi is a Credit Card Insider advertiser.

BEST PICK Best 0% APR Credit Cards of January 2021
RUNNER UP Best Balance Transfer Credit Cards of January 2021 Best Credit Card Deals and Offers: Signup Bonuses, Balance Transfers, and More Best Credit Cards for Good or Excellent Credit Best No Annual Fee Credit Cards The Best Military Credit Cards: Low APRs, Waived Annual Fees, and More
Our rating
Min. credit level: Excellent
Annual Fee: $0
Regular APR: 14.74% - 24.74% (Variable)
Intro Balance Transfer APR: 0% for 18 months
Intro Purchase APR: 0% for 18 months

Citi Simplicity® Card – No Late Fees Ever

Our rating
Excellent Min. credit level
$0 Annual Fee
Apply Now 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 18 months
Regular Balance Transfer APR 14.74% - 24.74% (Variable)
Balance Transfer Fee 3%, $5 minimum
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee None
Returned Payment Fee Up to $40
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 25.24% (Variable)
Cash Advance Fee 5%; $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

PERKS
  • Free Credit Score
SECURITY
  • Zero Liability on Unauthorized Charges
SHOPPING
  • Discount Portal
  • Purchase Protection
Citi Simplicity® Card – No Late Fees Ever

Highlights

  • No Late Fees, No Penalty Rate, and No Annual Fee… Ever
  • 0% Intro APR on balance transfers for 18 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 18 months from date of account opening. After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
ABOUT THE ISSUER

Citi

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 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.