Citi Simplicity®

#No Annual Fee #Low Interest #Balance Transfer #Excellent Credit #Good Credit

Issuer

Citi

Mastercard

18.49% - 29.24%

$0.00

N/A

N/A

690 - 850 (Good - Excellent)

✅ No annual fee

✅ One of the longest intro APR periods for balance transfers (21 months)

✅ No late fees

✅ No penalty APR for late payments

✅ Low intro APR for purchases and balance transfers

❌ Does not earn rewards

❌ No welcome bonus or cardholder offer

❌ Relatively high balance transfer fees after the introductory period

❌ Different timelines for purchase and balance transfer intro APRs

❌ Foreign transaction fee of 3%

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