Citi Simplicity® Card
Citi · Mastercard
4.2/5 RatingGood to Excellent (670+)
Key Details
- Annual Fee
- None
- Regular APR
- 18.49%–29.24%
- Intro APR
- 0% intro APR for 21 months on balance transfers and 12 months on purchases
- Foreign Transaction Fee
- 3%
- Balance Transfer Fee
- 3% or $5 (intro 12 months), then 5% or $5
- Rewards Rate
- No rewards
Sign-Up Bonus
None
Rewards Structure
- No rewards programN/A
Pros
- ✓21-month 0% balance transfer APR — one of the longest
- ✓No annual fee
- ✓No late fees ever
- ✓No penalty APR
Cons
- ✗No rewards program
- ✗No sign-up bonus
- ✗3% foreign transaction fee
Who Should Get This Card?
People carrying credit card debt who need the longest possible 0% APR period to pay it down. Not for rewards seekers.