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Citi Simplicity: Why You Should Get It Today

Jan. 5, 2015
Credit Cards
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Need to make a purchase, but don’t want to put up the cash right now? Check out the Citi Simplicity® Card - No Late Fees Ever, a no-frills credit card with a long 0% intro APR on purchases and balance transfers and hardly any fees. Here’s why you should apply for this credit card today.

The Citi Simplicity® Card - No Late Fees Ever: A 0% introductory period to write home about

The Citi Simplicity® Card - No Late Fees Ever boasts one of the lowest introductory offers in the industry: 0% on Purchases and Balance Transfers for 18 months, and then the ongoing APR of 15.74% - 25.74% Variable APR. This means you can use this time to pay down an existing debt you’ve transferred to the card, or slowly pay down a large purchase you couldn’t or didn’t want to pay off in full immediately.

Keep in mind, the Citi Simplicity® Card - No Late Fees Ever does have a balance transfer fee, so you may want to consider a $0 balance transfer credit card instead. However, the long 0% introductory APR on purchases is tough to beat, so this card is great for new purchases.

Fees? What are fees?

Aside from the balance transfer fee, the Citi Simplicity® Card - No Late Fees Ever has very few fees to speak of. There’s no annual fee, no late fees — ever! — and no penalty rates if you make a late payment. Though you can make late payments without being penalized, we advise you to always make your bill payments on time — it’s just a good habit to get into. If you do slip up, the no late fees and no penalty rates will be there to ease your fall.

Additional perks of the Citi Simplicity® Card - No Late Fees Ever

The Citi Simplicity® Card - No Late Fees Ever offers a service called Price Rewind, which tracks your covered purchases and reimburses you the difference if an eligible item you purchase goes on sale within 60 days. You can get up to $500 per item, $2,500 per year.

Like all consumer and college Citi cards, the Citi Simplicity® Card - No Late Fees Ever has EMV technology for safer transactions in the United States and abroad. Just make sure to use the chip. Instead of swiping your card, insert it into the EMV-capable terminal, follow the prompts and remove it once the receipt starts printing.

Bottom line: If you want a credit card with an impressively long introductory period, almost no fees and an EMV chip, you should get the Citi Simplicity® Card - No Late Fees Ever today.

Image via iStock.