Citi Simplicity® Card

Quick Summary

  • 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.


Introductory Rate : 0.00%
Intro Rate Details : 0%* on purchases and balance transfers for 21 months*

Annual Fee : $0*
Balance Transfers : Yes

APR (Purchases) : 13.24% – 23.24%* (Variable)


See website for complete terms and conditions.