Citi Simplicity® Card - No Late Fees Ever
ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
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.
Card Rating:
Bank:
Citibank®
Card Network:
Mastercard
User Category:
Consumer
Card Type:
Unsecured
Issuing Country:
United States
About this Credit Card:
The ONLY card with 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
There is a balance transfer fee of either $5 or 5% 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
Interest Rates & Fees
Everyday Purchases
Introductory APR:
Ongoing APR:
Penalty APR:
Minimum Grace Period:
Minimum Interest Charge:
More details 
Balance Transfer
Introductory APR:
Ongoing APR:
Balance Transfer Fee:
Penalty APR:
Minimum Grace Period:
More details
Cash Advance
Ongoing APR:
Cash Advance Fee:
Penalty APR:
Minimum Grace Period:
More details
Other Fees
Application Processing Fee:
Annual Fee:
Late Payment Fee:
Foreign Transaction Fee:
More details
CreditLand
Expert Review
Our Expert's Valuation:
Zero intro APR on purchases and balance transfers.
No late fees or penalty rate.
No annual fee*.
No rewards program.
Expert's Ratings:
Overall:
Interest Rates:
Maintenance Fees:
Features & Benefits:
Reward Program:
Customer Service:
Overall:
Interest Rates:
Maintenance Fees:
Features & Benefits:
Reward Program:
Customer Service:
User comments about Citi Simplicity® Card - No Late Fees Ever: