- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, 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).
- Stay protected with Citi® Quick Lock
Citi Simplicity® Card
Citi Credit Cards is an Experian Partner
Recommended FICO® ScoreΘ
Good - Exceptional
Annual Fee: | $0 |
|---|---|
Intro APR: | 0% for 21 months on balance transfers and 12 months on purchases |
Ongoing APR: | 18.49% - 29.24% (Variable) |
Ongoing Balance Transfer APR: | 18.49% - 29.24% (Variable) |
Review Snapshot
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ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.