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
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
16.24% - 26.24% (Variable)
Annual Fee
$0
Foreign Transaction Fee
3%
Reviews
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