Citi Simplicity® Card - No Late Fees Ever Citi Simplicity<sup>®</sup> Card - No Late Fees Ever
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Citi Simplicity® Card - No Late Fees Ever Review

Apply for a Citi Simplicity® Card - No Late Fees Ever
Bottom Line:
18-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 top-rated cards 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 balance transfer fee of 3% of each balance transfer ($5 minimum), this fee is likely much lower than the interest you're paying on your current credit card, making a balance transfer to the Citi Simplicity® Card worthwhile.

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.

Highlights From Citi
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.24% - 25.24% 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 18 months on Purchases*, then 15.24% - 25.24%* (Variable).
  • Balance Transfers APR: 0%* for 18 months on Balance Transfers*, then 15.24% - 25.24%* (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.

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Card Details

Features:Save money with a 0% intro APR on purchases and transfers, no late fees
Purchase APR:0%* for 18 months on Purchases*, then 15.24% - 25.24%* (Variable)
Balance Transfer APR:0%* for 18 months on Balance Transfers*, then 15.24% - 25.24%* (Variable)
Annual Fee:$0*
Credit Needed:Excellent, Good

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