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 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 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

Nav's Verdict

Cost
55% Complete
HighLow
Effort to Apply
10% Complete
DifficultEasy
Card Perks
40% Complete
PoorGood
Features
20% Complete
PoorGood

8/10

Bottom Line

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

Pros

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

Cons

No rewards on spending.

Rates and Fees
Intro APR
0%* for 12 months
Purchase APR
16.24% - 26.24%* (Variable)
Annual Fee
$0*
Foreign Transaction Fee
3%

Reviews

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