Advertiser & Editorial Disclosure

Citi Simplicity® Card – No Late Fees Ever

  • 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
  • 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

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

Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.