Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

on Citibank's application

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

on Citibank's application

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

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NerdWallet review

By Kevin Cash

Rating details

4.6

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.