Citi Simplicity® Card
NO
LATE FEES
NO
PENALTY RATE
NO
ANNUAL FEE
EVER
Plus, get our low intro APR for 21 months on balance transfers and 12 months on purchases.
TTY: Use 711 or other Relay Service
Ratings are based on 7,873 cardmember reviews
between 4/16/2016 and 2/28/2022
Zero in on a low intro rate.
0% Intro APR on balance transfers for 21 months from date of first
transfer.
0% Intro APR on purchases for 12 months from date of account
opening.
If you transfer a balance with this offer, interest will be charged on new purchases and unpaid introductory balances after your 0% introductory APR on purchases expired unless you pay the entire balance (including any transferred balance) in full each month by the due date.
There is a balance transfer fee of $ or % of the amount of the transfer, whichever is greater.
Live the simple life.
-
![]()
Say goodbye to late fees.
-
![]()
Forget about a penalty interest rate.
-
![]()
Never pay an annual fee.
Benefits you can count on.
Access Your Score
Get free access to your FICO® Score, the key factors that affect it, and a personalized history graph.
Flexible Payment Date
Choose to pay your bill on any available due date in the beginning, middle, or end of the month.
Account Protection
Enjoy $0 liability on unauthorized charges and Fraud Early Warning.
What some of our cardmembers are saying:
No late fees, no annual fee, and no penalty rate with our low intro APR for 21 months on balance transfers and for 12 months on purchases.*
