Citi Simplicity® Card - No Late Fees Ever Review

Our Detailed Review of This Card

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The Citi Simplicity® Card - No Late Fees Ever (a NextAdvisor advertiser) is a solid choice for good reason, as its unique combination of a 18-month 0% intro APR and no late fees or annual fee make it a compelling card.

To start, the Citi Simplicity® Card features an incredibly lengthy 18-month 0% intro APR on purchases and balance transfers — one of the longer 0% intro APR periods we've seen. This makes it ideal for those who want to use the card for a big purchase or to transfer balances from another card(s) with high interest rates. The 18-month 0% APR period can help you pay down your balance over time without worrying about accruing interest fees. While the card has a higher than usual balance transfer fee of 5% for each balance transfer ($5 minimum), it's likely this fee is lower than the interest you're paying on your current credit card, making a balance transfer to the Citi Simplicity® Card worthwhile. To find out for sure, use our free and easy Balance Transfer Calculator.

Unlike other credit cards, the Citi Simplicity® Card does not charge late fees, which is ideal if you're someone who sometimes forget to pay on time. On top of that, the card has automatic email and text alerts for when payments are due or if you exceed your credit limit, so you can stay in the know with your account. It also will monitor your balance levels and send you a notification when it hits certain thresholds.

Another card perk includes 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 free monthly Equifax FICO Scores, car rental insurance and travel assistance.

If you're looking for an incredibly long 0% intro APR period (18 months!), reasonable ongoing APRs and great added benefits like no late fees and no annual fee, the Citi Simplicity® Card 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 one and a half years on new purchases.

Fees and APR

  • Annual Fee: $0*
  • Foreign Transaction Fee: 3% of purchase amount.
  • Purchase APR: 0%* for 18 months, then 15.74% - 25.74%* (Variable).
  • Balance Transfers APR: 0%* for 18 months, then 15.74% - 25.74%* (Variable).
  • Balance Transfer Fee: 5% of each balance transfer; $5 minimum.
  • *Additional details can be found on the Citi landing page.

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