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The Citi Simplicity Credit Card, from our partner Citi, is relatively straightforward in its offering, but don’t let that fool you — this balance transfer card’s value could be worth hundreds or even thousands of dollars.

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The Citi Simplicity Card’s primary feature is its introductory 0% APR offer, which goes for 21 months on balance transfers from the date of your first transfer (note, however, that all transfers must be completed within four months to qualify for the promotion).

The only catch is that you’ll need to pay a balance transfer fee of either $5 or 3% of the transfer amount, whichever is greater.

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The card also offers new cardholders introductory 0% APR on new purchases made within the first 12 months of account opening. Read our full review of the Citi Simplicity Card.

Citi Simplicity card art

Annual Fee: $0
Bonus: None
APR: Variable APR Between 17.74% – 28.49% After Intro 0% APR Period ⓘ
Rewards Rate: None
Details: Full Review

Annual Fee: $0

Intro APR: Receive 0% APR for 12 months on purchases from date of account opening and 21 months on balance transfers from the date of first transfer. Note that balance transfers must be made within the first four months of account opening to be eligible for the no-interest offer.

After the no-interest offer expires, a variable APR between 17.74% – 28.49% based on your creditworthiness, will be applied to all balances. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

APR: After the intro 0% APR offer concludes, a 17.74% – 28.49% variable APR will apply.

Rewards Rate: None

Sign-Up Bonus: None