Citi Simplicity® Card - No Late Fees Ever
Citi Simplicity® Card - No Late Fees Ever
Card details
No Late Fees, No Penalty Rate, 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 14.74% - 24.74%, based on your creditworthiness.
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, 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 standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.
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: 14.74% - 24.74% Variable APR
Cash Advance APR: 25.24%, Variable
Balance transfer fee
5% of each balance transfer; $5 minimum.
Foreign transaction fee
3%
Recommended credit score
Compare to other cards
 Citi Simplicity® Card - No Late Fees Ever | ||
|---|---|---|
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 |
Regular APR14.74% - 24.74% Variable APR | Regular APR15.99% - 22.99% Variable APR | Regular APR12.99% - 22.99% Variable APR |
Intro APR0% on Purchases for 12 months and 0% on Balance Transfers for 21 months | Intro APRN/A | Intro APR0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
Wondering if this card is the best match for you?
Wondering if this card is the best match for you?
Wondering if this card is the best match for you?
Just tell us some details and see which card matches your needs most.
Just tell us some details and see which card matches your needs most.
NerdWallet review
By Kevin Cash
Rating details
5
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.
