Balance transfer cards can help you pay off high-interest debt faster. FinanceBuzz's credit card experts reviewed dozens of cards with 0% intro APR 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 18.24% - 28.99% (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 18.24% - 28.99% (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 18.24% - 28.99% (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 18.24% - 28.99% (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 18.24% - 28.99% (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 18.24% - 28.99% (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 nearly 2027 on balance transfers
Benefits Card Details Intro Offer
Long introductory APR period on balance transfers
Annual Fee $0 Why we like it
Frequently Asked Questions
Have questions about no interest credit cards? We've answered the most common ones below to help you choose the right card for you.
If you can pay off your credit card before the promotional period ends, a 0% intro APR credit card can be worth it. Some of these cards might also be able to earn you bonus cash back on certain new purchases. However, a plan to pay off the credit card is important if you want to save money on interest and get rid of your debt faster.
Anyone who qualifies can take advantage of a 0% intro APR offer, so the list of the type of people who can benefit from one is long. However, here are two specific examples in which a 0% intro APR offer can make a significant difference:
- People with crippling credit card debt: If you’re struggling to get ahead on paying down your credit card debt, high interest rates could be part of the problem. If you can qualify for a balance transfer credit card, you can remove interest costs from the equation, at least for a time, while you focus on eliminating your debt.
- People with emergency expenses: If you’ve lost a job, experienced a short-term disability, or dealt with expensive car or home repairs, a 0% intro APR credit card can help you cover the cost of your emergency expenses and give you time to pay for them interest-free.
When your 0% intro APR promotional period ends, your account APR will change to its regular APR, which was set when your account was opened. This may be a variable APR that takes into account your creditworthiness, or it may be a fixed APR. If you pay off your balance in full every month, you’ll continue to be able to use the card interest-free. But if you carry a balance from month to month, you’ll pay interest on that balance.
APR, or annual percentage rate, is a number that expresses how much you’ll pay for borrowing money, including interest, fees, and other charges. An interest rate is how much interest you’re charged for borrowing money. The APR and interest rate for credit cards are basically the same thing, but these rates are typically different for loans.
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Pay no interest on balance transfers for 21 months.
No annual fee.