Citi Simplicity® Card - No Late Fees Ever
on Citibank's secure application
Citi Simplicity® Card - No Late Fees Ever
Card details
The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
The same great rate for all balances, after the introductory period
Save time when you call with fast, personal help, 24 hours a day – just say “representative”
Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Rates, fees & offers
Annual fee
$0
Rewards rate
N/A
Bonus offer
None
Intro APR
0% on Purchases for 12 months and 0% on Balance Transfers for 21 months
Ongoing APR
APR: 16.24% - 26.24% Variable APR
Balance transfer fee
5% of each balance transfer; $5 minimum.
Foreign transaction fee
3%
Recommended credit score
NerdWallet Review
By Kevin Cash
Rating Details
3.6
Editor's overall rating
Pros and Cons
Pros
No late fee
No annual fee
Intro APR period on Purchases and Balance Transfers
Cons
No rewards
If you're looking to make the high-interest balance you're carrying more manageable, the Citi Simplicity® Card - No Late Fees Ever 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 - No Late Fees Ever does come with some downsides. If you move a balance onto the card, you’ll pay a fee of $5 or 5% of the total amount transferred (whichever is greater), so that is a cost to consider. The Citi Simplicity® Card - No Late Fees Ever also 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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