Citi Simplicity® Card
NO
LATE* FEES
NO
PENALTY* RATE
NO
ANNUAL* FEE
EVER
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.*
After that, the variable APR will be % - %, based on your creditworthiness. All transfers must be completed in the first 4 months.*
After that, the variable APR will be % - %, based on your creditworthiness.*
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 has expired, unless you pay the entire balance (including any transferred balance) in full each month by the due date.
There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening. After that, balance transfer fee will be $5 or 5% of the amount of the transfer, which ever is greater.*
Live the simple life.
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Say goodbye to late fees.*
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Forget about a penalty interest rate.*
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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:
Get in the NO.
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.*
*Pricing & Information
