Do you find it difficult to pay off your credit card debt because of the high interest accruing? If so, the Citi Simplicity® Card – No Late Fees Ever offers 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 based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Update 4/10/24: If you’re looking for some extra time on outstanding debt, the Citi Simplicity offers 0% intro APR for 21 months! Just keep in mind the intro balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for transfers completed within 4 months of account opening.
In addition to this generous introductory APR period, the Citi Simplicity Card does not charge any late fees or revoke or raise your 0% APR when you make late payments or mistakenly exceed your available credit line.
With the purchasing power of MasterCard, this card has no annual or hidden fees either. Simply put, if you’re searching for an uncomplicated balance transfer card, the Citi Simplicity Card is the option that gives its members true peace of mind.
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Citi Simplicity® Card Top Features
Offer Available | 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 based on your creditworthiness. Balance transfers must be completed within 4 months of account opening. |
Ongoing Rewards/Benefits | No late fees.
No penalty APR for late payments. The option to choose your payment due date. Extremely Long 0% APR Introductory Promotion for Balance Transfers |
Foreign Transaction Fees | 3% of the U.S. dollar amount of each purchase. |
Annual Fee | $0 |
Why You Should Apply
Pay off balances from high interest cards and make important purchases with 0% introductory APR on purchases and balance transfers.
The Citi Simplicity offers one of the longest 0% rates in both categories and gives members a chance to take control of their finances.
The Citi Simplicity will never charge you for any late fees, penalty fees, or annual fees.
You account balance will not increase should you make a late payment.
Get refunded the price difference up to $300 per item($1,200 per calendar year) if a lower price is found.
Let Citi do the work by registering the item purchased with your card and the price will be tracked for 60 days from the date you purchased your item.
Always get the best seats with special access to pre-sale tickets and VIP packages to concerts, theater and live performance, sporting events, dining experiences, family entertainment, and even complimentary movie screenings among other exciting events.
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Bottom Line
Again, cardholders won’t get any surprise rate hikes or late fees whether you accidentally miss a payment or exceed your credit limit.
You will get live, 24/7 help to speak to a representative with no waiting. The Citi Simplicity® Card is perfect for those looking to do a balance transfer.
You want to do a balance transfer especially if you have high interest rate spread across several credit cards.
With the 0% APR on balance transfers, you’ll have plenty of time to get that balance paid off before the variable APR comes into play.
This card truly lives up to its name; its goal is to keep usage and repayment as simple as possible.
If you’re looking to reduce your credit card balances or make a large purchase without accumulating any interest, the Citi Simplicity® Card – No Late Fees Ever is undoubtedly one of the best cards to get.
For more options, see our list of the best 0% balance transfers credit cards or latest credit card promotions!