Citi Simplicity® Card
Citibank
Intro Offer
0% intro APR (21/mo)
Annual Fee
$0
Recommended Credit
670–850
Good
Rewards & Earn Rates
1X
Travel
1X
Dining
1X
Grocery
1X
Gas
1X
Other
Not Included
TSA Pre✓
No rewards program
Why We Choose It
No late fees ever and 21 months of 0% APR on balance transfers. This is purely about saving money on interest, not earning rewards.
More About the Citi Simplicity® Card
A balance transfer specialist with no late fees and one of the longest 0% APR periods
Pros & Cons
Pros
- No Late Fees Ever
- No Penalty Rate Increases
- 21-Month 0% APR On Balance Transfers
- 12-Month 0% APR On Purchases
Cons
- No Rewards Program At All
- Balance Transfer Fee Applies
- No Welcome Bonus
- Designed For Simplicity Rather Than Earning
See Rates & Fees (Terms Apply)
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