Citi Simplicity®

Citi Simplicity® Review: Credit Cards

Credit Card
 
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Rating:
Bottom Line:
Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card, no late fees
Full Review:
5 2015-02-19 15:05:12 Citi Simplicity® (a NextAdvisor advertiser) is one of our favorite credit cards. Its unique combination of an 18 month 0% introductory APR and no late fees or annual fee make it a compelling value. Unlike other credit cards, Citi Simplicity® Card does not charge late fees, a nice feature for those that sometimes forget to pay on time. Citi Simplicity® Card also features a lengthy 18 month 0% introductory purchase and balance transfer APR, the longest 0% intro APR period of any card we've found. This feature makes it ideal for those who want to use the card for a big purchase or to transfer balances from other high interest rate credit cards. If you're looking for the longest possible 0% intro APR, reasonable ongoing APRs and a great added benefit like no late fees, Citi Simplicity® Card is the way to go.

Highlights
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER.
  • No penalty rate - EVER.
  • No annual fee - EVER.
  • Save time when you call with fast, personal help, 24 hours a day.

Fees and APR
  • No annual fee.
  • 0% Intro APR: 0% introductory APR for first 18 months, then purchase APR.
  • Purchase APR: 12.99% - 22.99% variable (Tier 1: 12.99%, Tier 2: 15.99%, Tier 3: 18.99%, Tier 4: 20.99%, Tier 5: 22.99%), depending on creditworthiness.
  • Balance Transfers: 0% APR for 18 months, then Purchase APR. Balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater.

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This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

 
Card Details:

Purchase APR:0% for first 18 months,
then 12.99% - 22.99% (V)*
Features:Save money with a 0% intro APR on purchases and transfers, no late fees
Annual Fee :$0*
Credit Needed:Excellent

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