How to Earn Points and Miles for Free Travel
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Our take
The card proves its name, it is simple and fair. The Citi Simplicity® card has no annual fee, no hidden costs like fees and penalties for late payments, and what’s even more pleasant, it waives interest for the whole 21-month long introductory period not just defers it. This is a brilliant combination of features if you are eager to pay down your debt without any pitfalls.
Details
- 0% Intro APR on purchases and balance transfers for 21 months.
- After that the variable APR will be 15.99% - 25.99%, based on your creditworthiness.
- No annual fee.
- Balance Transfer Fee: Either $5 or 5% of the amount of each credit card balance transfer, whichever is greater.
- Extended Warranty and $0 Liability on Unauthorized Charges.
- Worldwide Car Rental Insurance.
- Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.
Pros
No Annual Fee
No Penalty APR
0% APR on balance transfer for 21 months
0% APR on purchases for 12 months
Cons
No rewards
Good to excellent credit score required
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
21 months
Balance transfer regular apr
15.99-25.99%
variable
Balance transfer fee
5%
min $5
Rates and fees
Purchase regular apr
15.99-25.99%
variable
Cash advance apr
15.99-25.99%
variable
Regular annual fee
$0
Cash advance fee
5%
min $10
Foreign transaction fee
3%
Late payment fee
$0
Return payment fee
up to
$35
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