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DEMOCRATIZE FINANCIAL INDEPENDENCE


TRENDING STORIES

4 Genius Hacks Amazon Shoppers Must Know Is A Recession Coming? 8 Things To Do
ASAP


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4 Genius Hacks Amazon Shoppers Must Know Is A Recession Coming? 8 Things To Do
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TAKE A BREAK FROM HIGH INTEREST: THIS TOP CARD OFFERS 21 MONTHS OF 0% INTRO APR
ON BALANCE TRANSFERS

CREDIT CARDS - 0% APR CREDIT CARDS

By Tracy Odell
Updated Feb. 28, 2024
Fact checked

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professional fact-checkers verify article information against primary sources,
reputable publishers, and experts in the field.



We receive compensation from the products and services mentioned in this story,
but the opinions are the author's own. Compensation may impact where offers
appear. We have not included all available products or offers. Learn more about
how we make money and our editorial policies.

Balance transfer cards can help you pay off high-interest debt faster. The
FinanceBuzz editors reviewed dozens of cards with 0% intro offers for balance
transfers and Citi Simplicity® Card is our favorite for its extra-long no
interest period and lack of fees.



Top Pick
Citi Simplicity® Card

4.5

FinanceBuzz writers and editors score cards based on a number of objective
features as well as our expert editorial assessment. Our partners do not
influence how we rate products.


Apply Now
on Citi's secure website

More Details +


WHAT YOU NEED TO KNOW:

 * 0% intro APR on balance transfers for 21 months — Wipe out high interest
   rates for nearly 2 years!
 * 0% intro APR for 12 months on purchases
 * No late fees and no penalty rates
 * $0 annual fee



The Citi Simplicity® Card, from our partner Citi, stands out from other cards
with its industry-leading 21 months of 0% intro APR for balance transfers. After
the intro periods for purchases and balance transfers, the APR is 19.24% -
29.99% (Variable).



4.5

FinanceBuzz writers and editors score cards based on a number of objective
features as well as our expert editorial assessment. Our partners do not
influence how we rate products.



Top Pick
Citi Simplicity® Card
Apply Now
on Citi's secure website
Card Details
 * 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 19.24% - 29.99%, 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

Why We Like It

The Citi Simplicity® Card is a great option for anyone who is looking for a long
introductory APR period. Cardholders can enjoy a 0% introductory APR on balance
transfers for 21 months and a 0% intro APR on purchases for 12 months. After
that your balance will be subject to the regular 19.24% - 29.99% (Variable) APR,
based upon your creditworthiness.

There are no late fees, penalty rate, or annual fees with this no-frills,
high-impact card.








WHAT WE LIKE ABOUT THE CITI SIMPLICITY CARD

Where this card really shines is its generous 0% introductory APR period for
balance transfers for 21 months, then 19.24% - 29.99% (Variable). It’s one of
the longest periods of interest-free payoff available. If you don’t have credit
card debt but know you have a big upcoming expense, the Citi Simplicity card can
also help you save money. That’s because purchases also have a 0% intro APR
period for 12 months, then 19.24% - 29.99% (Variable).


MORE BENEFITS AND PERKS

 * Citi Simplicity won’t nickel and dime you with fees: Nothing chips away at
   the value of a no-interest offer more than costly late fees and annual fees.
   Citi doesn’t charge Simplicity cardholders late payment fees, penalty rates,
   or annual fees, which can help you keep some cash in your pocket, even if
   you're late on a monthly payment.
 * You can choose your payment due date: Nobody likes cash flow problems or
   making late payments. If you want the flexibility to choose your payment due
   date, then the Citi Simplicity credit card is a great option. With
   Simplicity, you can opt for a due date in the beginning, middle, or end of
   the month. You can also choose to receive automatic account alerts to remind
   you when a payment is due.
 * Identity theft protection: As a cardholder, you get access to Citi Identity
   Theft Solutions. If you fall victim to identity theft, Citi can help you
   resolve the issue.
   
 * No annual fee: Keep even more money in your wallet - with the Citi
   Simplicity, the annual fee is simply $0.
 * Apply online now


WHO IS THIS CARD BEST FOR?

Citi’s Simplicity credit card is great choice for anyone who:

 * Has good credit or better: Citi Simplicity applicants should typically have
   good to excellent credit for the best chance of approval.
 * Worries about fees: Another benefit that makes the Citi Simplicity card
   unique is that Citi won’t charge you late fees.
 * Wants to save money on high-interest debt: You can't beat the Simplicity's 0%
   introductory APR period for balance transfers for 21 months.
 * Needs to pay off a large purchase over time: You can breathe a little easier
   and give yourself time to pay off your balance before interest kicks in with
   the Simplicity's 0% intro APR for 12 months on purchases.


IS THERE A BETTER BALANCE TRANSFER CARD?

The Citi Simplicity is considered one of the best balance transfer cards
available for good reason. With almost two years of 0% intro APR on balance
transfers, new cardholders have a long time to pay down their balances before
interest kicks in. You could pay down some sizable debt with such a lengthy
balance transfer period. Plus, there's no annual fee to worry about.




BOTTOM LINE

The Citi Simplicity® Card is a great choice for almost everyone. Who doesn't
love 21 months with an intro 0% APR on balance transfers — all without an annual
fee?

 * Low Intro APR: Enjoy a 0% introductory APR on balance transfers for 21 months
   and a 0% intro APR on purchases for 12 months. After the intro period, the
   APR is 19.24% - 29.99% (Variable).
 * No fees: The Simplicity card has no late fees, no annual fee, and no penalty
   rates. Perfect for someone looking to pay down debt, not add to it.
 * Access to FICO score: When you’re trying to pay down debt and build credit,
   it’s important to know where you stand. The Simplicity card gives cardholders
   access to their FICO credit score for free online or through the Citi mobile
   app.
 * Flexible Payment Date: Choose to pay your bill on any available due date at
   the beginning, middle, or end of the month.
 * Account Protection: Enjoy $0 liability on unauthorized charges and Fraud
   Early Warning.

» Click here to apply now and pay 0% interest until nearly 2026 on balance
transfers 





No annual fee & 0% Intro APR

Citi Simplicity® Card

Benefits

Card Details

 * 0% intro APR on balance transfers for 21 months, then 19.24% - 29.99%
   (Variable) APR
 * 0% intro APR on purchases for 12 months, then 19.24% - 29.99% (Variable) APR
 * FICO Credit Score monitoring
 * No late fee, penalty rate, or annual fees
 * Apply Now

 * 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 19.24% - 29.99%, 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

4.5

FinanceBuzz writers and editors score cards based on a number of objective
features as well as our expert editorial assessment. Our partners do not
influence how we rate products.


Apply Now

on Citi’s secure website


Read Card Review

Intro Offer

Long introductory APR period on balance transfers

Annual Fee

$0

+ -

Why we like it

 * The Citi Simplicity® Card is a great option for anyone who is looking for a
   long introductory APR period. Cardholders can enjoy a 0% introductory APR on
   balance transfers for 21 months and a 0% intro APR on purchases for 12
   months. After that your balance will be subject to the regular 19.24% -
   29.99% (Variable) APR, based upon your creditworthiness.

 * There are no late fees, penalty rate, or annual fees with this no-frills,
   high-impact card.

 * Apply Now





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