Citi Simplicity® Card
- The only card with No Late Fees, No Penalty Rate, and No Annual Fee... ever.
- 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The same great rate for all balances, after the introductory period.
- Save time when you call with fast, personal help, 24 hours a day - just say "representative"
- Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
- Long 0% APR period
- No late fee
- No penalty APR
- No annual fee
Citi Simplicity® Card offers a 21-month 0% introductory APR on both balance transfer and purchases. Citi Simplicity card charges no annual fee, no late fee, and no penalty APR.
The interest rate is varied between 14.49% - 24.49%, and you won't know your rate until you apply.
By offering the longest 0% APR period, this card gives users more time to finance a purchase or offset balance-transfer fee. Also, users don't have to worry about late payments since there is no late fee and no penalty APR.