- The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness
- 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
APR: 15.74% - 25.74% Variable APR
Not sure which card is best for you?
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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