Many oregon each of the products present are from our partners that wage america a commission. It’s however we marque money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms whitethorn use to offers listed connected this page.  Citi is an advertizing spouse of The Ascent.

Citi Simplicity® Card has immoderate awesome perks designed to springiness you flexibility and bid of mind.

Our expert's summary:

  • 0% intro APR connected equilibrium transfers for 21 months. This means you'll wage nary involvement good into 2024!
  • 0% intro APR connected purchases for 12 months
  • No punishment APR. Your APR won’t summation if you gaffe up and are precocious connected a payment!
  • Choose your outgo owed date
  • No precocious fees & $0 yearly fee

Simply put, if you're looking to debar recognition paper involvement connected equilibrium transfers for the longest clip possible, it's hard to bushed this card.

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR

15.49% - 25.49%, (Variable)

    • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
    • 0% Intro APR for 21 months connected equilibrium transfers from day of archetypal transportation and 0% Intro APR for 12 months connected purchases from day of relationship opening. After that the adaptable APR volition beryllium 15.49% - 25.49%, based connected your creditworthiness. Balance transfers indispensable beryllium completed wrong 4 months of relationship opening.
    • There is simply a equilibrium transportation interest of either $5 oregon 5% of the magnitude of each transfer, whichever is greater.
    • The modular adaptable APR for Citi Flex Plan is 15.49% - 25.49%, based connected your creditworthiness. Citi Flex Plan offers are made disposable astatine Citi's discretion.
    • Stay protected with Citi® Quick Lock and $0 liability connected unauthorized charges

What I Like About Citi® Simplicity® Card

0% introductory APR for 21 months 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, which means you’ll person astir 2 years to wage disconnected your balance.

0% introductory APR for 12 months connected purchases: You'll besides get a 0% intro APR connected caller purchases for the archetypal 12 months. 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. 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">.

If your precedence is simply a agelong 0% intro APR for a equilibrium transfer, the Citi® Simplicity® Card intelligibly outshines the competition. We haven't recovered a paper that offers a longer play to wage intro 0% involvement connected equilibrium transfers with the added benefits of nary precocious fees, flexible outgo date, and nary punishment APR Citi® Simplicity® offers. The 12 period 0% intro APR connected purchases is besides adjuvant if you person an unexpected ample disbursal and request to dispersed the outgo retired implicit time.

Increase your recognition people successful arsenic small arsenic 1 month?

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!

About the Author

Director and idiosyncratic concern manufacture expert for The Ascent by The Motley Fool, a caller online steadfast of the twelvemonth grant recipient successful 2017. Prior to that, helium was a Director for The Motley Fool. He has 15 years of concern acquisition nether his loop and has published implicit 800 acquisition and probe articles that person appeared connected websites specified arsenic MSN, AOL, and Yahoo Finance. He holds an MBA successful Finance from George Washington University.