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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.
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 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, although it’s not quite as good for new purchases.
There’s no annual fee, no late fees, and no penalty APR.