Citi Simplicity Card Review – 0% Intro APR for 21 Months


Citibank is no stranger to launching quality credit cards with excellent introductory rates, and it would appear they’ve done it again.  The Citi Simplicity® Card – No Late Fees Ever, which you may have seen advertised on television, is now offering consumers the longest 0% intro rate available today–21 months on both purchases and balance transfers. And even though this card doesn’t carry a rewards program, it has a few other cool benefits as well, which we cover in this Citi Simplicity review.

Cardholders of the card will receive a 0% intro APR on purchases and balance transfers for 21 months.  After the introductory period has expired, the interest rate will go up based on current rates and your credit worthiness.  The balance transfer fee is a standard 3% with a $5 minimum.

  • Discover it 18 month balance transferAlternative Option – The Discover it® – 18 Month Balance Transfer includes a 0% intro APR on balance transfers for 18 months with NO annual fee and a free FICO® credit score. Also included is cash back rewards program that is DOUBLED in your first year.  That means 10% cash back on select categories like gas and groceries and 2% cash back on all other purchases. You sacrifice a little bit of time on this card to include a great rewards program the the Citi Simplicity® Card simply cannot match.

Another area where the Citi Simplicity® Card – No Late Fees Ever outperforms the competition is with its perks.  For example, most credit cards include a late fee of $35 or more or a fee for going over your credit limit. The card doesn’t charge such fees.  This does not mean however, that you can make late payments frequently … simply that Citi can forgive a time or two.  Also important to note is that anytime you need assistance, you can call Citi using the number on the back of your card, punch in your account number and be connected to a live agent immediately.  No wasting time with automation.

Sometimes a name says it all, and this card does exactly what you would expect.  This card is perfect for responsible credit card users looking to make interest free purchases (as well as take advantage of a balance transfer) for 21 months.

Topics: Credit Cards

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