Citi Simplicity® Card

The Citi Simplicity Card offers a very long intro APR offer for balance transfers, with the catch that each transfer incurs a 5% fee ($5 minimum). You’ll also get a long intro APR offer on purchases.

Card details

Annual fee: $0

Credit score: Good – Excellent (690 – 850)

Intro APR: 0% Intro APR for 21 months on balance transfers and 0% Intro APR for 12 months on purchases

Type of card: Low interest

Card benefits

• No Late Fees, No Penalty Rate, and No Annual Fee… Ever
• 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening
• Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

For whom this card is recommended

For consumers looking for a basic debt management card, the Citi Simplicity Card’s relatively long introductory 0% APR period is an attractive reason for consideration.

Instead of getting caught in an endless cycle of minimum payments and interest charges, a card like Citi Simplicity could help alleviate the stress of debt accumulation.

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