Citi Simplicity® Card - No Late Fees Ever

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Citi Simplicity® Card - No Late Fees Ever
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Card Rating:
Credit Recommended:
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Card Rating:
Credit Recommended:
EXCELLENT, GOOD
See Real User Reviews >>
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 15.99% - 25.99%, based on your creditworthiness
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, 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:
0%* 12 months on Purchases*
Ongoing APR:
15.99% - 25.99%* (Variable)
Penalty APR:
N/A
Minimum Grace Period:
See terms
Minimum Interest Charge:
See terms
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Balance Transfer
Introductory APR:
0%* 21 months on Balance Transfers*
Ongoing APR:
15.99% - 25.99%* (Variable)
Balance Transfer Fee:
5% of each balance transfer; $5 minimum.
Penalty APR:
N/A
Minimum Grace Period:
See terms
More details expand
Less details collapce
Cash Advance
Ongoing APR:
15.99% - 25.99%* (Variable)
Cash Advance Fee:
5% of each cash advance; $10 minimum
Penalty APR:
N/A
Minimum Grace Period:
See terms
More details expand
Less details collapce
Other Fees
Application Processing Fee:
See terms
Annual Fee:
$0*
Late Payment Fee:
See terms
Foreign Transaction Fee:
3%
More details expand
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Expert Review

Our Expert's Valuation:

pluses
Zero intro APR on purchases and balance transfers.

pluses
No late fees or penalty rate.

pluses
No annual fee*.

minuses
No rewards program.

Expert's Ratings:

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Maintenance Fees:
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User comments about Citi Simplicity® Card - No Late Fees Ever:
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