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Citi Simplicity® Card – No Late Fees Ever

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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 APR. 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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BEST PICK Best Balance Transfer Credit Cards Best No Annual Fee Credit Cards
Our rating
Min. credit level: 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 Min. credit level
$0 Annual Fee
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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

Fees

Penalty APR N/A
Late Fee N/A
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 26.74% (Variable)
Cash Advance Fee 5% of each cash advance; $10 minimum
How to Get a Cash Advance with a Credit Card
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 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% – 26.24%, 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 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 16.24% – 26.24%, 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
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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.