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Citi Simplicity Card cardholders have the opportunity to enjoy a 0% Intro APRS for 12 months for purchases starting at account opening, and a 21-month 0% Intro APRS for balance transfers beginning at date of first transfer.
The APR for balance transfers is between 14.74% and 24.74% (variable).
The annual fee is $0 and there are also no penalties or late fees.
Benefits for cardholders include: identity theft support and zero dollar liability on unauthorised charges.
Zero percent Intro APR: Citi Simplicity Cards offer a 0% Intro Rate for purchases for twelve months from the date of account opening, and a 21-month 0% Intro rate for balance transfers starting at the date of your first transfer.
The standard APR thereafter is between 14.74% and 24.74% (variable). Citi Simplicity Card has a 21-month balance transfer introductory period. This allows you to repay balance transfers faster at 0% than cards with introductory periods of 12 and 15 months.
Annual fee waived: Card Holders do not have to pay an annual fee.
Late fees and penalty rates not applicable: A late payment will not result in a late charge or penalty APR.
Transfer balance fee: To transfer a balance, you will need to pay a fee.
Fees for balance transfers are 5% or $5.
There are no rewards with the Citi Simplicity Card.
There are no late fees, penalty rates, or annual fees. Every single day from the date of your account opening, 0% Intro Annual Percentage Rate (APR) for balance transfers for 21 months. 0% Intro for purchases for 12 months.
Based on creditworthiness, the variable APR thereafter will range from 14.74% to 24.74%. You must complete balance transfers within four months after account opening.
Balance transfer fees are either $5, or 5% depending on the transfer amount.
Based on creditworthiness, the standard variable APR of Citi Flex Plan is between 14.74% and 24.74%. Citi Flex Plan offers may be made at Citi's sole discretion.
Citi Quick Lock protects you and prevents you from being charged with unauthorized charges.