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The offer described in this article is no longer available. See our details page for the U.S. Bank Visa® Platinum Card for the current offer.
As of July 8, 2021, both new purchases and balance transfers on the Citi Simplicity® Card have a 0% introductory APR for 18 months.
The U.S. Bank Visa® Platinum Card has yo-yoed back to a longer interest-free period on purchases and balance transfers.
New cardholders can now get an introductory 0% APR period that lasts 20 billing cycles for purchases and balance transfers. Compared with the previous offer, that’s an extra two months to finance a large purchase or pay down debt. The balance transfer fee is unchanged: 3% of the amount transferred or $5, whichever is greater. Exact terms of the current offer: 0% intro APR for 20 billing cycles on purchases and balance transfers, and then the ongoing APR of 15.99%-25.99% Variable APR.
Over the past year, the $0-annual-fee card has flip-flopped between an 18-month and a 20-month 0% introductory APR period for purchases and balance transfers. A handful of other cards offer 18-month intro APR periods, but 20 months at 0% is among the longest offers you'll find on the market.
The Citi Simplicity® Card, for example, does offer a longer intro APR period on balance transfers, but its intro period on purchases is much shorter. It features an intro APR of 0% on purchases for 12 months and an intro APR of 0% on balance transfers for 21 months.