Review: Citi Simplicity Credit Card


0% introductory APR for 21 months on balance transfers: With one of the longest introductory periods on balance transfers we’ve come across, you’ll get a 0% introductory APR on balances transferred for a full 21 months, which means you’ll have about two to pay off your balance. There will be years.

0% introductory APR for 12 months on purchases: You’ll also get 0% introductory APR on new purchases for the first 12 months. This is a helpful benefit if you plan to buy anything with the card.

Select your payment due date: A little flexibility can go a long way when it comes to managing your finances. The card lets you choose from any available payment date, be it early, mid or end of the month. This way, you can set up automatic payments that are linked to your paycheck.

No Late Fee: One of the most unique benefits is that there are no late fees. While you should always pay your bills on time, because late payments can still affect your credit, it’s nice to know that if you slip up and miss a payment, No cost will be charged.

No penalty APR: If you miss a few payments, most credit cards will raise your interest rate up to their penalty APR. The Citi® Simplicity® Card never charges a penalty rate, so late payments aren’t at risk of raising your APR.

No annual fee: This card comes with no annual fee, which is an important feature if your goal is to pay off debt.

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