No Annual Fee
Low Interest
Balance Transfer
Excellent Credit
Good Credit
Citi Simplicity®
Citi · Mastercard
Annual Fee
$0.00
Rewards Rate
N/A
Intro Offer
N/A
Issuer
Citi
Network
Mastercard
Regular APR
18.49% - 29.24%
Credit Score
690 - 850 (Good - Excellent)
Pros
- 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
Cons
- 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%
Featured in Combinations
Low-Interest Strategists
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