Citi Simplicity® Card

0% Intro APR for 21 months

on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening. There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.

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Quick Summary

Need some more time paying off a large purchase over time? The Citi Simplicity® Card is one of the top credit cards for avoiding interest for up to 21 months on balance transfers and 12 months new purchases. It's a straight forward product with very few perks and benefits other than the generous introductory period of 0% APR. But if time at 0% is what you need, this is a great option for you.

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How to Earn Rewards

No options for earning rewards on this card.

Annual Fee

$0

Our Take

Need some more time paying off a large purchase over time? Consider a product like the Citi Simplicity Card. It offers low introductory APR rate for purchases and balances transfers, buying your some more time on purchases or balances if needed.

This no annual-fee card doesn’t earn any sort of rewards currency. Its primary purpose is a tool to potentially help you with paying off purchases over time or balance transfers.

Benefits

0% interest on purchases for the first 12 months

0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

Compared to Other Cards

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Welcome Bonus:

$150 statement credit

after you spend $500 on purchases in the first 3 months, for a limited time.

Annual Fee:

$0 Learn More

Citi® Double Cash Card

Welcome Bonus:

No current offer

Annual Fee:

$0 Learn More