With the Citi Simplicity® Credit Card, you may be able to pay down your debt at a faster rate. This card offers an impressive 0% balance transfer APR for 21 months within the first 4 months of opening your account, and 0% purchase APR for 12 months. In addition to not charging an annual fee, the City Simplicity is one of the only credits cards that has no late fees or penalty APR for late payments.
Intro APR on purchases and balance transfers
No annual free, late fees, or penalty APR
Doesn't offer rewards
Requires good/excellent credit
Citi Simplicity® Card at a glance
No annual fee, has other fees
Eligibility (credit score)
Doesn't cover bad credit
FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
24/7 service with multiple communication options
Excellent site and app with detailed FAQs, help center, and transparency of rates and features
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.