Q: Does the Citi Simplicity card offer an interest-free period for new members? I want to go on a trip that will cost me $5,000 but would like to pay it off in 6 to 8 months with no interest.
A: Yes, the Citi Simplicity® Card does offer an interest-free period for new cardholders. In fact, Citi Simplicity is our #1 rated low-APR credit card because of it's incredibly lengthy 18-month 0% APR on both purchases AND balance transfers. If you apply and are accepted for this card, you can definitely go on your trip and not worry about paying interest for 18 months. In addition, you can transfer over balances from other credit cards and not pay interest for 18 months (although you will pay a balance transfer fee of 3% of the amount of each transfer).
If you're interested in 0% APR periods, another great card to consider is the Citi® Diamond Preferred® Card. This card also offers a generous 18-month 0% APR on purchases and balance transfers. Or you can take a look at all of our Low APR card and Balance Transfer card reviews and pick the best card for your needs.Credit Cards