Citi Simplicity® Card
543 Reviews
Intro balance transfer APR
0% for 18 Months
Regular balance transfer APR
17.49% - 28.24%* Variable
Balance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual fee
$0
Additional rates and fees
Annual fee
$0
Intro purchase APR
0% for 18 Months
Regular purchase APR
17.49% - 28.24%* Variable
Intro balance transfer APR
0% for 18 Months
Regular balance transfer APR
17.49% - 28.24%* Variable
Cash advance APR
29.74%* Variable
Cash advance fee
5%, Min: $10
Late fee
None
Penalty APR
N/A
Balance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Foreign transaction fee
3%
Return payment fee
Up to $41
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- 0% Intro APR on balance transfers and purchases for 18 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).
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- $0 liability on unauthorized charges.