Citi Simplicity® Card

Citi Simplicity® Card Review: Credit Cards

 
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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:
Citi Simplicity® Card 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% - 21.99% 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% - 21.99% variable, 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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Card Details:

Purchase APR:0% for first 18 months,
then 12.99% - 21.99% (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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