If you're carrying credit card debt — or expecting upcoming expenses — interest can make it harder to get ahead.
The Citi Simplicity® Card gives you a clear window to reset.
With no interest for 18 months on both balance transfers and purchases, you can focus on paying down what you owe or covering new expenses without interest piling up.
Citi Simplicity® Card
Great for: Balance Transfers
4.90 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.90 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = PoorBest for Balance Transfers
0% intro APR for 18 months on Balance Transfers is one of the longest interest-free periods available today.
Intro APR
Purchases: 0%, 18 months on Purchases
Balance Transfers: 0%, 18 months on Balance Transfers
Regular APR
17.49% - 28.24% (Variable)
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
- 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.
Here’s What Makes This Card Stand Out
- 0% intro APR for 18 months on balance transfers — Move existing debt and pay it down without interest.
- 0% intro APR for 18 months on Purchases — Spread out new expenses without added cost.
- No late fees, ever — No penalty if life gets in the way.
- No penalty APR — Your rate won’t jump after a missed payment.
- $0 annual fee — No cost to carry the card.
Applicants with a good to excellent credit score (670+) typically have the best odds of approval.
Two Ways to Use This Card
- Pay down existing debt
Transfer a balance and use the 18-month intro period to make steady progress without interest slowing you down. - Cover upcoming expenses without interest
Whether it’s a large purchase or a stretch of higher spending, you’ll have 18 months to pay it off without added cost.
Low Intro Balance Transfer Fee
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)
That lower 3% intro fee can reduce your upfront cost compared to cards that charge 5% from the start.
Is This Card Right for You?
If you want flexibility — whether that’s paying down debt, managing new expenses, or both — this card gives you a defined window to do it without interest.
With 18 months of 0% intro APR on both balance transfers and purchases, you can choose how to use it based on what you need most right now.
You won’t even pay an annual fee to hold the card, and applying takes just a few minutes from your phone or computer.
But don’t wait too long — we often see 0% intro APR periods get cut without notice, so it’s smart to act while this one’s still available.
Citi Simplicity® Card
Great for: Balance Transfers
4.90 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.90 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = PoorBest for Balance Transfers
0% intro APR for 18 months on Balance Transfers is one of the longest interest-free periods available today.
Intro APR
Purchases: 0%, 18 months on Purchases
Balance Transfers: 0%, 18 months on Balance Transfers
Regular APR
17.49% - 28.24% (Variable)
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
- 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.
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Motley Fool Stock Disclosures
Citigroup is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends Target. The Motley Fool has a disclosure policy.