Citi Simplicity Card Review | The Ascent by Motley Fool


Top perks

Long 0% intro APR offer

Citi Simplicity® Card offers one of the longest intro periods among balance transfer cards, at 18 months. It also offers 0% intro APR for 18 months on purchases.

No late fees

One of the most unique perks is that there are no late fees, ever. While you should always pay your bill on time, because late payments can still affect your credit, it’s nice to know that you won’t be charged if you do slip up and miss a payment.

No penalty APR

If you miss some payments, most credit cards will increase your interest rate to their penalty APR. Citi Simplicity® Card never charges a penalty rate, so your APR isn’t at risk of increasing due to late payments.

No annual fee

When you’re paying off debt, a credit card with no annual fee is a must.

Choose your payment due date

In order to offer you maximum payment flexibility, Citi Simplicity® Card allows you to select a payment due date from a range of options that works best for you. This allows you to make payments right after you receive your paycheck so you don’t have to worry about running out of money before your payment is due.

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