- 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
The Citi Simplicity® Card - No Late Fees Ever offers 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 0% APR lasts for 21 months and is good for balance transfers. 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 even cards with the best rewards programs.
|Ongoing APR on purchases:||15.99% - 25.99%* (Variable) depending on creditworthiness|
|Credit level recommended:||
|Intro APR on purchases:||0%* 12 months on Purchases*|
|Intro APR on balance transfers:||0%* 21 months on Balance Transfers*|
No interest on balance transfers for 21 months or no interest on purchases for 12 months. The Citi Simplicity® Card - No Late Fees Ever gives one of the longest 0% APR introductory periods on balance transfers out there. The balance transfer fee is 5%, 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.
All figures are hypothetical and may vary individually
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.
Although this card doesn’t offer rewards, cardmembers are eligible for Citi Price Rewind, a program that guarantees the lowest available price on registered purchases within 60 days. Just go to the Citi Price Rewind web site and register your purchase, and Citi will look for a lower price on that item for the following 60 days of purchase. If they find your item offered at a lower price, they’ll refund you the difference, up to $500 per item and $2,500 per year. Citi Simplicity® Card - No Late Fees Ever also offers complete 24/7 customer service by phone, email, or chat.