Citi Simplicity® Card
NoLate fees
Nopenalty rate
NoAnnual fee
Ever
Plus, get our low intro APR for 21 months on balance transfers and for 12 months on purchases.
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As of 6/1/2019. Ratings are selected from 5,656 customer reviews collected between 4/6/2016 and 6/1/2019.
0% INTRO APR on balance transfers for 21 MONTHS from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.1
0% INTRO APR on purchases for 12 MONTHS from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.1
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 a balance transfer fee of $5 or 5% 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, identity theft protection, 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.
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