Citi Simplicity® Card

  • The only card with no late fees, no penalty rate, and no annual fee…ever.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% – 23.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.

Intro Rate Offer Regular APR Annual Fee Balance Transfers Credit Needed
0%* on purchases and balance transfers for 21 months* 13.24% – 23.24%* (Variable) $0* Yes Excellent/Good