Take a Break from High Interest with 0% Intro APR on Balance Transfers Until Nearly 2028
- Introductory APR on purchases and balance transfers
- FinanceBuzz Award-winning card recognized for its balance transfer benefits
- No late fees, no penalty rate, and no annual fee
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Balance transfer cards can help you pay off high-interest debt faster. But with so many options out there, it can be tough to know which one is best. That's why FinanceBuzz's credit card experts reviewed dozens of cards with 0% intro APR offers and the Citi Simplicity® Card, from our partner Citi, is one of our favorites for its extra-long introductory no interest period on balance transfers and lack of late fees.
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0%, 12 months from date of account opening
0%, 21 months from date of account opening
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.49% - 28.24%, 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
What You Need To Know
Where this card really shines is its generous 0% introductory APR period for balance transfers for 21 months from date of account opening, then 17.49% - 28.24% (Variable). Balance transfers must be completed within 4 months of account opening. It's one of the longest periods of interest-free payoff available. If you don't have high-interest debt but know you have a big upcoming expense, the Citi Simplicity card can also help you save money on interest. That's because purchases also have a 0% intro APR period for 12 months from date of account opening, then 17.49% - 28.24% (Variable).
More benefits and perks
- Citi Simplicity won't nickel and dime you with fees: Nothing chips away at the value of an introductory 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® Card(Rates and fees), the annual fee is simply $0.
>> Apply for the Citi Simplicity® Card
How The Citi Simplicity® Card Stacks up
With no annual fee, a lengthy intro APR offer on balance transfers, and a lack of late fees, our experts think the Citi Simplicity® Card(Rates and fees) is tough to beat. But how does it stack up against the competition? See a side-by-side comparison below.
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0%, 12 months from date of account opening
0%, 21 months from date of account opening
Credit Score
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0%, 18 billing cycles
0%, 18 billing cycles
Credit Score
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0%, 15 months
0%, 15 months;
Credit Score
Bottom Line: Who Is This Card Best For?
The Citi Simplicity® 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 from date of account opening, then 17.49% - 28.24% (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 from date of account opening on purchases, then 17.49% - 28.24% (Variable).
>> Click here to apply for the Citi Simplicity® Card(Rates and fees)
Intro Offer
Long introductory APR period on balance transfers
Annual Fee $0 Why we like it
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Other Cards You Might Like:
The Citi Simplicity® Card is hard to beat with its notable extra-long intro APR period and $0 annual fee. But, if you want to consider other options, here are some contenders:
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If you want to pay no interest into 2027 on purchases and balance transfers and earn a generous welcome bonus:
The Bank of America® Customized Cash Rewards credit card(Rates and fees) checks all the boxes for a top intro APR credit card. It has a long 0% APR intro period, a generous welcome offer, great cashback rewards, and no annual fee.
You can pay off high-interest debt faster with this card's 0% introductory APR for 15 billing cycles for any balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 15 billing cycles. After the intro period, the APR is 17.49% - 27.49% Variable.
You can also earn cash back rewards for your everyday spending. A flat cash back structure can be great for simplicity, but bonus categories can really amp up your cash back earning potential based on your specific spending habits. Enjoy all this with no annual fee and a $200 welcome bonus.
Annual Fee: $0
Click here to apply now for the Bank of America® Customized Cash Rewards credit card
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If you want travel rewards on top of a low intro APR on purchases and balance transfers:
Picture yourself smiling every time you swipe your Capital One VentureOne Rewards Credit Card(Rates and fees) because you won’t have to pay interest until 2027. You could transform your financial situation in no time.
Enjoy 0% intro APR on purchases and balance transfers for 15 months (balance transfer fee applies), then APR 18.49% - 28.49% (Variable). You can skip the frustrating interest charges for a time and make moves against runaway credit card debt.
Plus, you can earn an unlimited 1.25 miles per dollar on every purchase, every day. Beyond travel, miles can also be redeemed for gift cards, to shop on Amazon.com, or to pay for purchases via PayPal Pay with Rewards. Rack up even more rewards by earning 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
And new cardholders can earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
Annual Fee: $0
Click here to apply for the Capital One VentureOne Rewards Credit Card now.
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 from date of account opening.
No annual fee.