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

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

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.