July 2024

Intro APR

Regular APR

No Late Fees, No Penalty Rate, and No Annual Fee

Rates & Fees

If you're looking for the longest possible introductory APR, the 

 is an excellent choice. This card, from our partner Citibank, comes with an intro APR of 

. If you're currently paying a high interest rate on your balance with another credit card, transferring your balance to the 

 could potentially save you hundreds of dollars in interest charges.

The intro APR on purchases can also come in handy if you need to finance a large purchase and spread the payments out over time. After the intro periods are up, the ongoing APR is 

 sticks true to its name and keeps things simple – this card has no annual fee, no late fees, and no penalty rate.

Who Should Get the Citi Simplicity® Card?

 Those who are looking to transfer high-interest credit card balances can take advantage of the card's lengthy intro APR of 

 Individuals who need flexibility with their monthly budget can benefit from the ability to choose their payment due date, making it easier to manage cash flow​​.


 People who occasionally miss a payment due to forgetfulness or short-term cash flow issues would appreciate the card’s no late fee policy​​​​.


 Those preferring a straightforward credit card with no annual fee and no penalty rates would find this card's simplicity appealing​​.


 The card is good for those new to balance transfers, thanks to its simple terms and introductory offers, giving them a generous timeframe to pay off their debt without interest​​.


 Individuals with good to excellent credit looking to maintain or improve their credit score could use this card, as responsible use of the balance transfer feature can help in paying down debts and potentially improve credit utilization ratios​​.


 People who may need to make a large purchase and require a year to pay it off would benefit from the intro APR of 

 thereafter, although it's important to plan for paying off the balance before the intro period ends​​.


 is not designed for those who are looking to earn rewards or cash back on their spending. It serves a specific financial function, primarily in the realm of debt management and simplification of finances​​​​. If you're seeking a card to help with debt management, the 

's long intro APR offer on balance transfers can be advantageous. It allows you to consolidate and pay down debt without interest during the introductory period. However, those looking for rewards or long-term value from their card may find it less beneficial, as it doesn't offer rewards or cash back. The flexibility of choosing your payment due date and the lack of late payment penalties are additional advantages that cater to those who need financial flexibility​.

No cash back or rewards program on purchases

Save money with an extra-long Intro APR on balance transfers and pay no annual fee

Lengthy introductory APR on balance transfers and purchases

No Late Fees, No Penalty Rate, and No Annual Fee... Ever

, cardholders can typically initiate the transfer online or by phone. A balance transfer fee applies and cardholders should ensure that the transfer is completed before the due date to avoid any interest charges or penalties.

Cardholders may be eligible for a credit limit increase with the 

. However, the decision to increase the credit limit is based on several factors such as credit score, credit history, account history, income and more. Cardholders can contact Citi's customer support for more information on the credit limit increase process.

Late payments can have negative implications on a cardholder's credit score and may result in additional interest charges. While the 

 offers late payment forgiveness and no penalty APR, it is always important to strive to make payments on time to avoid any negative consequences.

 is generally accessible to individuals with good to excellent credit. While the specific eligibility criteria may vary, it is important to have a good credit score, a strong credit history and a steady income to improve the chances of approval for the card.

 is ideal for individuals looking to consolidate their debt through balance transfers or finance large purchases with its introductory APR periods. The card's simplicity and user-friendly features make it a valuable tool for those looking for a straightforward and low-maintenance credit card experience.

 is determined based on factors such as creditworthiness, income, and other financial details. The specific credit limit is determined by Citibank during the application process and may vary for each individual.

While there is no specific credit score requirement listed by Citibank for the 

, a good credit score is typically required for approval. A credit score of 670 or higher is considered good and may improve the chances of approval for the card. However, credit score is only one of many factors Citibank considers for approval.

The time it takes for a balance transfer to process with the 

 can vary. Cardholders should allow at the least a few days for the transfer to be completed. It is important to initiate the transfer well before the due date to avoid any interest charges or penalties.

Intro Balance Transfer APR

Current Offer

Take a break from high interest rates with the powerful 

Citibank

0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Citi Simplicity® Card

Get the Citi Simplicity® Card and start saving money with low interest rates. Apply securely online today! | CompareCredit