Citi Simplicity Review | NerdWallet
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Citi Simplicity® Card - No Late Fees Ever

Apply Nowon Citibank’s secure website.

Citi Simplicity® Card - No Late Fees Ever

Apply Nowon Citibank’s secure website.
Apply Nowon Citibank’s secure website.

Card Details

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% 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, Variable

Min APR: 13.24%, Variable

Max APR: 23.24%, Variable


  • No late fee
  • No annual fee
  • 0% if you qualify for 21 mos on transfers


  • No rewards
  • Needs excellent credit

Rewards rate


Annual fee


Intro APR

0% on purchases and balance transfers for 21 months

Nerdwallet Review

Author: Kevin Cash

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 3% 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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