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 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Learn How to ApplyQuick 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.
Learn How to ApplyHow to Earn Rewards
No options for earning rewards on this card.
Annual Fee
$0
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 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Compared to Other Cards
Citi Simplicity® Card
Welcome Bonus:
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 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
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.