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Balance transfer cards can help you pay off high-interest debt faster. The FinanceBuzz editors reviewed dozens of cards with 0% intro offers for balance transfers and Citi Simplicity® Card is our favorite for its extra-long no interest period and lack of fees.
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What you need to know:
- 0% intro APR on balance transfers for 21 months — Wipe out high interest rates for nearly 2 years!
- 0% intro APR for 12 months on purchases
- No late fees and no penalty rates
- $0 annual fee
The Citi Simplicity® Card, from our partner Citi, stands out from other cards with its industry-leading 21 months of 0% intro APR for balance transfers. After the intro periods for purchases and balance transfers, the APR is 19.24% - 29.99% (Variable).
What we like about the Citi Simplicity Card
Where this card really shines is its generous 0% introductory APR period for balance transfers for 21 months, then 19.24% - 29.99% (Variable). It’s one of the longest periods of interest-free payoff available. If you don’t have credit card debt but know you have a big upcoming expense, the Citi Simplicity card can also help you save money. That’s because purchases also have a 0% intro APR period for 12 months, then 19.24% - 29.99% (Variable).
More benefits and perks
- Citi Simplicity won’t nickel and dime you with fees: Nothing chips away at the value of a no-interest offer more than costly late fees and annual fees. Citi doesn’t charge Simplicity cardholders late payment fees, penalty rates, or annual fees, which can help you keep some cash in your pocket, even if you're late on a monthly payment.
- You can choose your payment due date: Nobody likes cash flow problems or making late payments. If you want the flexibility to choose your payment due date, then the Citi Simplicity credit card is a great option. With Simplicity, you can opt for a due date in the beginning, middle, or end of the month. You can also choose to receive automatic account alerts to remind you when a payment is due.
- Identity theft protection: As a cardholder, you get access to Citi Identity Theft Solutions. If you fall victim to identity theft, Citi can help you resolve the issue.
- No annual fee: Keep even more money in your wallet - with the Citi Simplicity, the annual fee is simply $0.
- Apply online now
Who is this card best for?
Citi’s Simplicity credit card is great choice for anyone who:
- Has good credit or better: Citi Simplicity applicants should typically have good to excellent credit for the best chance of approval.
- Worries about fees: Another benefit that makes the Citi Simplicity card unique is that Citi won’t charge you late fees.
- Wants to save money on high-interest debt: You can't beat the Simplicity's 0% introductory APR period for balance transfers for 21 months, then 19.24% - 29.99% (Variable).
- Needs to pay off a large purchase over time: You can breathe a little easier and give yourself time to pay off your balance before interest kicks in with the Simplicity's 0% intro APR for 12 months on purchases, then 19.24% - 29.99% (Variable).
Is there a better balance transfer card?
The Citi Simplicity is considered one of the best balance transfer cards available for good reason. With almost two years of 0% intro APR on balance transfers, new cardholders have a long time to pay down their balances before interest kicks in. You could pay down some sizable debt with such a lengthy balance transfer period. Plus, there's no annual fee to worry about.
Bottom Line
The Citi Simplicity® Card is a great choice for almost everyone. Who doesn't love 21 months with an intro 0% APR on balance transfers — all without an annual fee?
- Low Intro APR: Enjoy a 0% introductory APR on balance transfers for 21 months and a 0% intro APR on purchases for 12 months. After the intro period, the APR is 19.24% - 29.99% (Variable).
- No fees: The Simplicity card has no late fees, no annual fee, and no penalty rates. Perfect for someone looking to pay down debt, not add to it.
- Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. The Simplicity card gives cardholders access to their FICO credit score for free online or through the Citi mobile app.
- Flexible Payment Date: Choose to pay your bill on any available due date at the beginning, middle, or end of the month.
- Account Protection: Enjoy $0 liability on unauthorized charges and Fraud Early Warning with the Citi Simplicity® Card(Rates and fees).
» Click here to apply now and pay no interest until 2026 on balance transfers
Benefits
Card Details
- $0 annual fee.
- 0% intro APR on purchases for 12 months, then 19.24% - 29.99% (Variable) APR
- Includes access to Citi Entertainment, which offers exclusive presales.
- Apply Now
- 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 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Stay protected with Citi® Quick Lock
Intro Offer
Long introductory APR period on balance transfers
Annual Fee
$0
Why we like it