Citi Simplicity® Card
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.24% - 26.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- 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
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.
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