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Citi Simplicity® Card
BEST FOR: Our pick for best low-interest card with no late fees or penalty APR
Citi Simplicity® Card Review
The Citi Simplicity® Card keeps it simple, streamlining the terms of its cardholder agreement in a way that is probably simpler than any other credit card on the market. Plus, there is 0% intro APR for 12 months on Purchases and 0% intro APR for 21 months on Balance Transfers, no annual fee, and no late penalties.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
How LendingTree Gets Paid
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all credit cards available in the marketplace.
Citi Simplicity® Card
SIGN-UP BONUS
N/A
REWARDS RATE
N/A
Intro Purchase APR
0% intro APR for 12 months on Purchases
Intro BT APR
0% intro APR for 21 months on Balance Transfers
Regular Purchase & BT APR
18.49% - 29.24% (Variable)
Annual Fee
$0
Card Brand
Mastercard®
Recommended Credit Score
Good / ExcellentHighlights
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 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.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Stay protected with Citi® Quick Lock
Additional Info
Foreign Transaction Fee
3%
Balance Transfer Fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Features
Our pick for best low-interest card with no late fees or penalty APR
From the LendingTree editorial team, updated on Nov 14, 2024
For those who like to keep it simple and steer free of penalties and unexpected rate hikes – while working to pay down balances on other cards – the Citi Simplicity® Card, from our partner Citi, is simply the best. Citibank does advertise its products on our site. You get 0% intro APR for 12 months on Purchases and 0% intro APR for 21 months on Balance Transfers, followed by an interest rate of 18.49% - 29.24% (Variable). Long 0% intro rates apply to both balance transfers and purchases, which makes the Citi Simplicity® Card a great card to use for big purchases or to consolidate other credit card debt.
One of the most remarkable features of this card is that there are no late fees or penalty rates charged for late payments. It is no wonder that the Citi Simplicity® Card has won rave reviews and is included in many consumer lists of “Top 10” credit cards.
The Good
- The best part about this card is the fantastic 0% intro APR on purchases and balance transfers. With the lack fees and penalties, the Citi Simplicity® Card can be a big relief when many other credit cards seem to charge you a fee any chance they get.
The Not So Good
- You’ll need excellent-good credit to qualify for the Citi Simplicity® Card, and there is no rewards program attached to it.
The Bottom Line
The Citi Simplicity® Card keeps it simple, streamlining the terms of its cardholder agreement in a way that is probably simpler than any other credit card on the market. Plus, there is 0% intro APR for 12 months on Purchases and 0% intro APR for 21 months on Balance Transfers, no annual fee, and no late penalties.
Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.
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How LendingTree Gets Paid
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all credit cards available in the marketplace.
Apply Now
on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 18.74% - 27.74% Variable APR.
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Sign-Up Bonus
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
See Our Review
Apply Now
on Citibank's secure site
Intro Purchase APR
0% intro APR for 12 months on Purchases
Intro Balance Transfer APR
0% intro APR for 21 months on Balance Transfers
Regular Purchase & BT APR
17.49% - 28.24% (Variable)
See Our Review
Apply Now
on Firstcard's secure site
Rates & Fees
0% APR on purchases and no late fees or overdraft fees
Build Credit & Savings
When you use your Firstcard for purchases and make timely payments, this responsible repayment behavior is reported to major credit bureaus and can have a positive impact on your credit score over time. Additionally, earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
Rewards
Get up to 15% Merchant Cashback at 29,000 partner merchants. Get up to 10% Random Cashback on all qualifying purchases. Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings.
See Our Review