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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Citi Simplicity® Card - No Late Fees Ever
Credit Card Details
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
- The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
your benefits
Key Feature
No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR on balance transfers
0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
Interest Rates & Fees
Intro APR:
0% 12 months on Purchases
Regular APR:
16.24% - 26.24% (Variable)
Penalty APR:
N/A
Intro APR:
0% 21 months on Balance Transfers
Regular APR:
16.24% - 26.24% (Variable)
Balance Transfer Fee:
5% of each balance transfer; $5 minimum
Regular APR:
16.24% - 26.24% (Variable)
Cash Advance Fee:
5% of each cash advance; $10 minimum
Penalty APR:
N/A
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Citi Simplicity® Card - No Late Fees Ever
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