No Late Fees, No Penalty Rate, and 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 16.24% - 26.24%, based on your creditworthiness.
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, 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
The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, 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
0% on Purchases for 12 months and 0% on Balance Transfers for 21 months
APR: 16.24% - 26.24% 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?
By Kevin Cash
Editor's overall rating
Pros and cons
No late fee
No annual fee
Intro APR period on Purchases and Balance Transfers
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.
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.