Advertiser & Editorial Disclosure

Citi Simplicity® Card – No Late Fees Ever

Citi Simplicity® Card – No Late Fees Ever
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
55% Complete
Effort to Apply
10% Complete
Card Perks
40% Complete
20% Complete


Bottom Line

A good card for those looking to buy some time before paying off a large purchase or an existing balance.


Long intro APR period on both purchases and balance transfers. Peace of mind with no late fees or a penalty rate.


No rewards on spending.

Rates and Fees
Intro APR
0%* for 18 months
Purchase APR
15.74% - 25.74%* (Variable)
Annual Fee
Foreign Transaction Fee

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