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
Rates, fees & offers
0% on Purchases and Balance Transfers for 18 months
APR: 15.74% - 25.74% Variable APR
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Foreign Transaction Fee
Recommended credit score
Not sure which card is best for you?
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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