Citi Simplicity® Card - No Late Fees Ever Review Credit Card 5 2017-02-07 10:19:54

Citi Simplicity® Card - No Late Fees Ever Review

Apply for a Citi Simplicity® Card - No Late Fees Ever
Bottom Line:
21-month 0% intro APR on both purchases and balance transfers, no late fees

Full Review:
The Citi Simplicity® Card - No Late Fees Ever (a NextAdvisor advertiser) is one of our favorite credit cards. Its unique combination of a 21 month 0% introductory APR and no late fees or annual fee make it a compelling value.

Unlike other credit cards, the Citi Simplicity® Card - No Late Fees Ever does not charge late fees, a nice feature for those that sometimes forget to pay on time. Plus it has automatic account alerts, letting you set up email and text notifications for when payments are due or you exceed your credit limit. It also will monitor your balance levels and alert you when it hits certain thresholds.

The Citi Simplicity® Card - No Late Fees Ever features an incredibly lengthy 21 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. The 21-month 0% APR period can help you pay down your balance over time without worrying about accruing interest fees.

Card perks include the Citi Price Rewind service, which will look for a lower price on something you bought with your Citi card at retailer sites for up to 60 days after the purchase date. If a lower price is found, you can be refunded the difference between what you paid and the lower price - up to $300 (max. $1,200 annually). This service is particularly helpful for big-ticket items, giving you peace of mind that you got the best price. Additional card extras include car rental insurance and travel assistance.

If you're looking for the longest possible 0% intro APR (21 months!), reasonable ongoing APRs and a great added benefit like no late fees, the Citi Simplicity® Card - No Late Fees Ever is the way to go. We highly recommend it, particularly for consolidating balances from other high-interest cards or if you want to pay no-interest for over 1.5 years on new purchases.

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.

Fees and APR
  • Annual Fee: $0*
  • Foreign Transaction Fee: 3% of purchase amount.
  • Purchase APR: 0%* APR for 21 months on Purchases*, then 13.99% - 23.99% (Variable).
  • Balance Transfers APR: 0%* for 21 months on Balance Transfers*, then 13.99% - 23.99% (Variable).
  • Balance Transfer Fee: 3% of each balance transfer; $5 minimum.
  • *Additional details can be found on the Citi landing page.

Apply for a Citi Simplicity® Card - No Late Fees Ever

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.

If you have a question or concern we haven't answered on our site, please let us know. Your question will be added to the NextAdvisor Forums so that we and other experts in our community can answer it. Due to volume, we aren't able to respond to every question, but we answer as many as we can.

Card Details

Purchase APR:0%* for 21 months on Purchases*, then 13.99% - 23.99% (Variable)
Features:Save money with a 0% intro APR on purchases and transfers, no late fees
Annual Fee:$0*
Credit Needed:Excellent, Good

NextAdvisor Credit Cards Blog Headlines

Related Forum Posts

About Us Blog Contact Us Forums Terms & Privacy Policy Affiliate Program Site Map
Copyright© 2006 - 2017 - All rights reserved.

Advertiser Disclosure: is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.