Citi Simplicity® Card
- 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
If you're looking to make the high-interest balance you're carrying more manageable, the Citi Simplicity® Card is one of the best balance transfer options to consider. It offers cardholders one of the longest introductory interest-free periods on the market and comes with a $0* annual fee, no late fees and no penalty APR. That alleviates some of the high costs that can add up with an outstanding credit card balance.
The Citi Simplicity® Card does come with some downsides. If you move a balance onto the card, you’ll pay a fee of $5 or 3% of the total amount transferred (whichever is greater), so that is a cost to consider. The also Citi Simplicity® Card doesn't come with rewards. But if you're revolving a relatively low balance, and interest charges continue to grow, this card might help you tackle your debt.
Interested in learning more? Check out our full editorial review.
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