Citi Simplicity®: Better Than Buy Now Pay Later Companies | Compare Credit
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Citi Simplicity®: Better Than Buy Now Pay Later Companies

Editorial Note: Our editorial team's content is not provided or commissioned by any financial institution or partner. The opinions, reviews or recommendations expressed in any article mention are solely those of our editorial team. This page contains products from our advertising partners.

If you’re looking for a buy now pay later option but want something better, look no further than the .

Bottom Line:

  • 0% intro APR on purchases for 12 months. Buy now, pay over 12 months.
  • No penalty APR. Your APR won’t increase if you miss a payment
  • Choose your payment due date. Puts you in control.
  • Built-in Purchase Protection. Protects your purchase from damage and theft.
  • No late fees & $0 annual fee

Why We Believe This Credit Card is Better.

Most buy now, pay later companies offer “Pay in 4.” Companies that offer this give you the ability to split any purchase into 4 interest-free payments. The first payment is usually due when you check out. Then each subsequent payment is typically due every 2 weeks, giving you 6 weeks to pay for that purchase.

With the Citi Simplicity® Card in hand, you can pay for that same purchase over 12 months with 0% interest instead of 6 weeks.

No Late Fees: Some buy now pay later companies will charge you a late fee of up to $7.00.

No penalty APR: Other credit cards may raise your APR if you miss a payment.

What's the Catch?

The recommended credit score for this incredible 0% interest offer is at least 670. If your score is below 670 we recommend visiting this page for our top-rated options for getting out of debt and building your credit.

Who Should Get This Card

The  is a great fit for those who want plenty of time to finance a large purchase, without being charged interest.

This is why I've personally signed up for this card and recommend it to all my friends. This combination of features - the 12 interest-free months to pay off a purchase, no late fees, no penalty APR for a missed payment and no annual fee - is too good to pass up. We don't know how much longer they'll be offering it.

Simply click here to apply and find out if you are approved. You could get a decision in 60 seconds or less. Why wait?