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Citi Simplicity: Why You Should Get It Today

Jan. 5, 2015
Credit Cards
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  • Citi Simplicity® Card - No Late Fees Ever

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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 better introductory offers in the industry: 0% on Purchases for 12 months and 0% on Balance Transfers for 21 months, and then the ongoing APR of 14.74% - 24.74% 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. However, the long 0% introductory APR on purchases is nice.

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.

Bottom line: If you want a credit card with an impressively long introductory period and few fees, consider the Citi Simplicity® Card - No Late Fees Ever.

Image via iStock.