Editor's Rating   4 Star Rating About Our Ratings

This card requires excellent credit to obtain but offers a longer than average 0% introductory APR on balance transfers and for purchases depending on credit rating. The card carries no late fees - ever, no penalty rate - ever and no annual fee - ever.

Highlights: Citi Simplicity® Card

Editor's Rating

Citi Simplicity<sup>®</sup> Card

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  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Credit Required: Excellent
Balance Transfer Intro APR


Balance Transfer Intro Period

18 months on Balance Transfers*

Balance Transfer Fee

3% ($5 min. ) (Balance transfer fee applies with this offer. 3% of each balance transfer; $5 minimum.)
Purchase APR

12.99 - 22.99% Variable

Annual Fee


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