Citi Simplicity®

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

Issuer

Citi

Network

Mastercard

Regular APR

18.49% - 29.24%

Annual Fee

$0.00

Intro Offer

N/A

Rewards Rate

N/A

Recommended 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%

Combinations

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