The Citi Simplicity Card® offers Citi’s lowest APR Rate of 0% during the first 21 months on purchases and transfers. It is also their only card that never charges any late fees, penalty rates, or annual fees. Even if you make a late payment or exceed your available credit line, there will be no late fees and your 0% APR will not rise or be revoked! After the introductory period, the APR will be 14.99% – 24.99% based on your creditworthiness. If you are looking to pay off debt or make a big purchase and wish to take your time paying it off, this card may be the perfect fit for you.
Citi Simplicity Card Summary:
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- 0% on Balance Transfers: 21 months
- 0% on Purchases: 21 months
- Balance Transfer Fee: 3% of each balance transfer; $5 minimum
- APR after promotion: 14.99% – 24.99%, based on your creditworthiness
- Annual Fee: None
- Expiration Date: None
- Additional Advice: Although you won’t be penalized for late payments, you should always try to make payments on time. It’s a good habit to have, especially because most of the other lenders and creditors will probably charge you. Also, your late payment may eventually be reported to the credit bureaus if you fail to pay within about 30 days.
Citi Simplicity Card Summary Features:
- 0% Intro APR on Balance Transfers and Purchases for the first 21 months. After that, the APR will be 14.99% – 24.99% based upon your creditworthiness.*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer
- 24/7 Customer Service for any questions you have
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
- No late fees, penalty fees, or annual fees*
Conclusion:
With the Citi Simplicity® Card, there will be no APR Rate hikes, penalties, or fees if you miss a payment or surpass your credit limit. Overall, this card is great if you need time to pay off initial purchases or make late payments. With 0% introductory APR for the first 21 months, you could potentially save a lot of money if you transfer your current balances to your Citi Simplicity® Card and pay off the debt. If you think this card would benefit you, I highly recommend checking it out today! Find our complete list of Credit Card Promotions today!
