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If you're carrying recognition paper indebtedness — oregon expecting upcoming expenses — involvement tin marque it harder to get ahead.
The Citi Simplicity® Card gives you a wide model to reset.
With nary involvement for 18 months connected some equilibrium transfers and purchases, you tin absorption connected paying down what you beryllium oregon covering caller expenses without involvement piling up.
Citi Simplicity® Card
Great for: Balance Transfers
Credit Score:
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 18 months connected Balance Transfers is 1 of the longest interest-free periods disposable today.
Intro APR
Purchases: 0%, 18 months connected Purchases
Balance Transfers: 0%, 18 months connected Balance Transfers
Regular APR
17.49% - 28.24% (Variable)
- 0% Intro APR connected equilibrium transfers and purchases for 18 months from day of relationship opening. After that, the adaptable APR volition beryllium 17.49% - 28.24%, 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).
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- $0 liability connected unauthorized charges.
Here’s What Makes This Card Stand Out
- 0% intro APR for 18 months connected equilibrium transfers — Move existing indebtedness and wage it down without interest.
- 0% intro APR for 18 months connected Purchases — Spread retired caller expenses without added cost.
- No precocious fees, ever — No punishment if beingness gets successful the way.
- No punishment APR — Your complaint won’t leap aft a missed payment.
- $0 yearly fee — No outgo to transportation the card.
Applicants with a bully to fantabulous recognition people (670+) typically person the champion likelihood of approval.
Two Ways to Use This Card
- Pay down existing debt
Transfer a equilibrium and usage the 18-month intro play to marque dependable advancement without involvement slowing you down. - Cover upcoming expenses without interest
Whether it’s a ample acquisition oregon a agelong of higher spending, you’ll person 18 months to wage it disconnected without added cost.
Low Intro Balance Transfer Fee
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)
That little 3% intro interest tin trim your upfront outgo compared to cards that complaint 5% from the start.
Is This Card Right for You?
If you privation flexibility — whether that’s paying down debt, managing caller expenses, oregon some — this paper gives you a defined model to bash it without interest.
With 18 months of 0% intro APR connected some equilibrium transfers and purchases, you tin take however to usage it based connected what you request astir close now.
You won’t adjacent wage an yearly interest to clasp the card, and applying takes conscionable a fewer minutes from your telephone oregon computer.
But don’t hold excessively agelong — we often spot 0% intro APR periods get chopped without notice, truthful it’s astute to enactment portion this one’s inactive available.
Citi Simplicity® Card
Great for: Balance Transfers
Credit Score:
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 18 months connected Balance Transfers is 1 of the longest interest-free periods disposable today.
Intro APR
Purchases: 0%, 18 months connected Purchases
Balance Transfers: 0%, 18 months connected Balance Transfers
Regular APR
17.49% - 28.24% (Variable)
- 0% Intro APR connected equilibrium transfers and purchases for 18 months from day of relationship opening. After that, the adaptable APR volition beryllium 17.49% - 28.24%, 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).
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- $0 liability connected unauthorized charges.
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