The content is accurate at the time of publication and is subject to change.

Citi Simplicity® Card

  • 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 17.74% - 27.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.

on Citi's secure website

This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.

Citi, a advertising partner, offers the Citi Simplicity® Card that gives something that no other card does - a 0% interest offer that won't go away if you miss a payment. That's right. There are no penalty fees and no late fees for this card. Make a payment late and you won't be slapped with a late fee or have your APR raised. The balance transfer 0% intro APR lasts for 21 months. The downside to this card is that it doesn't offer any rewards program - but for customers who are prone to incurring late fees, this card might have more value than cards with the best rewards programs.

Special offers

No interest on balance transfers for 21 months (all transfers must be completed in first 4 months) and no interest on purchases for 12 months. The Citi Simplicity® Card gives one of the longest 0% APR introductory periods on balance transfers out there. The balance transfer fee is 5% of each balance transfer; $5 minimum., but after that you'll pay no interest at all for a year and a half - enough time to pay off a balance that would have taken you much longer at a high interest rate.

Earning rewards

This card doesn't have a rewards program - not even the Citi ThankYou points program that most Citi cards offer. The big draw of this card is the lack of fees or penalty rates.

Redeeming rewards

No rewards program means no rewards redemption rules to navigate.


With the Citi Simplicity® Card you may choose any due date to pay your bill. Besides that, Citi provides quick and easy payments with Apple Pay at over 200,000 stores. In addition, the card offers complete 24/7 customer service by phone, email, or chat.


The cardinal rule of most balance transfers is to never make a late payment. Paying late puts an end to your 0% APR and could even make you subject to a penalty APR of 29.99 or higher. This card is unique, in that you can actually keep your 0% APR on balance transfers for the full 21 months, even if you slip up and miss a payment. There's no penalty APR and no late fee, making this card perfect for someone who is worried about making payments on time. The 21 month 0% interest promotional period on balance transfers is just about the longest in the industry, giving you more than a year and a half to get rid of some lingering debt with no interest. Sure, there's no rewards program, but if you're looking to transfer a balance and pay it off, it's better not to use the card too much anyway during that intro period. This card lets you focus on zeroing out your debt without worrying about late fees.

Citi Simplicity® Card

    Intro APR on Purch.

  • 0% (12 months)
  • Regular APR on Purch.

  • 17.74% - 27.74% (Variable)
  • Annual Fee

  • $0