Citi Simplicity Goes Back to 21 Months of 0% for Transfers

With the move, the Citi Simplicity reclaims its spot as one of the best options for those seeking a super-long interest-free period on transferred balances.
Robin Saks FrankelOct 11, 2018
Citi Simplicity's 0% Intro APR on Balance Transfers Hits 21 Months

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A former champion among balance transfer cards reigns once more. On Oct. 11, 2018, the intro 0% APR period for balance transfers on the was extended to 21 months from 18 months.

This means the card reclaims its spot as one of the better options for those seeking a super-long interest-free period on transferred balances.

Key features of the include:

If the current balance transfer offer on the sounds familiar, that's because the issuer has offered it before. But  by three months.

The card's current terms on balance transfers and purchases exceed what's offered on the . Plus, that card isn't as forgiving with late payments, making the a better choice for anyone who thinks they might occasionally miss a payment due date.

If you were eyeing the as a potential option for making a big purchase, you may be better off with another card offering a longer 0% intro APR on purchases. Although the balance transfer offer was extended, the length of time at 0% on purchases shrank by six months. If you're looking for the longest time possible to pay off a big purchase, other cards on the market have .

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