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 16.74% - 26.74%, based on your creditworthiness
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% - 26.74%, 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
HighLow
Effort to Apply
DifficultEasy
Card Perks
PoorGood
Features
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
16.74% - 26.74%* (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.