Compare rewards, interest rates, and apply for the Citi Simplicity® card now.
Editor’s Rating: — Editor’s Pick, Best card for balance transfers or if you occasionally carry a balance.
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees – EVER
- No penalty rate – EVER
- No annual fee – EVER
- Save time when you call with fast, personal help, 24 hours a day.
|Intro APR||Intro Period||Regular APR||Annual Fee||Credit Needed|
|0% on purchases and balance transfers||18 months||12.99% – 21.99% (Variable)||$0||Good Credit|
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Important: We take care to ensure all card terms described on this website are accurate and up-to-date. Creditors change terms, including APRs, frequently, however. While we usually update our reviews within 1-5 days of notification, never apply for or accept any credit offer before carefully reviewing the offer terms and conditions found directly on the creditor's website.