The Citi Simplicity® Card sets itself isolated with an unthinkable connection of 21 months connected Balance Transfers of 0% intro APR connected qualifying equilibrium transfers and nary yearly fee, making it a apical prime for anyone looking for ample clip to wage disconnected recognition paper debt.

Our expert's summary:

  • 0% intro APR connected equilibrium transfers for 21 months connected Balance Transfers. This means you'll wage nary involvement until good into 2026!
  • 0% intro APR connected purchases for 12 months connected Purchases
  • Choose your outgo owed date
  • $0 yearly fee

Simply put, if you’re looking to wage disconnected indebtedness by avoiding involvement connected equilibrium transfers for the longest clip possible, it’s hard to bushed this card.

Citi Simplicity® Card

Great for: Balance Transfers

Logo for Citi Simplicity® Card

Credit Score: Circle with missive I successful it. Falling wrong this recognition scope does not warrant support by the issuer. An exertion indispensable beryllium submitted to the issuer for a imaginable support decision. There are antithetic types of recognition scores and creditors usage a assortment of recognition scores to marque lending decisions.

Recommended Credit Score required for this connection is: Good/Excellent (670-850)

Good/Excellent (670-850)

Best for Balance Transfers

0% intro APR for 21 months connected Balance Transfers connected equilibrium transfers is 1 of the longest interest-free periods disposable today.

Intro APR

Purchases: 0%, 12 months connected Purchases

Balance Transfers: 0%, 21 months connected Balance Transfers

Regular APR

18.24% - 28.99% (Variable)

Welcome Offer Circle with missive I successful it. There is an intro equilibrium transportation interest of 3% of each transportation (minimum $5) completed wrong the archetypal 4 months of relationship opening. After that, your interest volition beryllium 5% of each transportation (minimum $5).

Long intro equilibrium transportation APR

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months connected equilibrium transfers and for 12 months connected purchases; aft that, the adaptable APR volition beryllium 18.24% - 28.99%, based connected your creditworthiness. Balance transfers indispensable beryllium completed wrong 4 months of relationship opening.
  • There is an intro equilibrium transportation interest of 3% of each transportation (minimum $5) completed wrong the archetypal 4 months of relationship opening. After that, your interest volition beryllium 5% of each transportation (minimum $5).
  • Stay protected with Citi® Quick Lock

What We Like About The Citi Simplicity® Card

0% introductory APR for 21 months connected Balance Transfers connected equilibrium transfers: One of the longest introductory periods connected equilibrium transfers we've travel across, you'll get a 0% intro APR connected the equilibrium transferred for a afloat 21 months connected Balance Transfers, which means you’ll person astir 2 years to wage disconnected your balance.

0% introductory APR for 12 months connected Purchases connected purchases: You'll besides get a 0% intro APR connected caller purchases for the archetypal 12 months connected Purchases. This is simply a adjuvant perk if you program connected buying thing with the card.

Choose your outgo owed date: A small flexibility tin spell a agelong mode erstwhile it comes to managing your finances. The paper lets you take from immoderate disposable outgo date, whether it's successful the beginning, middle, oregon extremity of the month. That way, you tin acceptable up automatic payments that are aligned with your paycheck.

No precocious fees: One of the astir unsocial perks is that determination are nary precocious fees, ever. While you should ever wage your measure connected time, due to the fact that precocious payments tin inactive impact your credit, it's bully to cognize that you won't beryllium charged if you bash gaffe up and miss a payment.

No punishment APR: If you miss immoderate payments, astir recognition cards volition summation your involvement complaint to their punishment APR. The Citi Simplicity® Card ne'er charges a punishment rate, truthful your APR isn't astatine hazard of expanding owed to precocious payments.

No yearly fee: This paper comes with nary yearly fee, which is an important diagnostic if your extremity is to wage disconnected debt.

With the prime benefits the paper offers, it's chiefly aimed astatine consumers who person a recognition people of 670 oregon better. There are reports of radical with scores successful the mid 600s being approved for this card. For tips connected expanding your recognition people supra 670, click herestyle="text-decoration: underline">.

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Paying down recognition balances is the fastest mode to amended your FICO® Score. That's due to the fact that 30% of your recognition people is based connected however overmuch of your disposable recognition you're using. Your recognition utilization is reported monthly, which means paying disconnected indebtedness could amended your recognition people successful 1 month!

If your precedence is simply a agelong 0% intro APR for a equilibrium transfer, the Citi Simplicity® Card intelligibly outshines the competition. The 12 months connected Purchases of 0% intro APR connected purchases is besides adjuvant if you person an unexpected ample disbursal and request to dispersed the outgo retired implicit time.