Citi
Citi Simplicity Card Review
Consolidating high-interest debt over a long 0% window with no late fees
Updated for 2026
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See how to apply →Overview
The Citi Simplicity Card is a no-frills balance-transfer card built around one of the longest 0% intro windows on transfers, plus no late fees or penalty APR. It earns no rewards, so it is best used purely to pay down existing debt.
| Annual fee | $0 |
|---|---|
| Regular APR | 17.49%–28.24% variable |
| Welcome bonus | None |
| Rewards | None — this card does not earn rewards |
| Recommended credit | Good to Excellent |
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Pros & cons
Pros
- No late fees ever and no penalty APR — a signature Simplicity feature
- One of the longest 0% balance-transfer windows available at 21 months
- No annual fee
Cons
- Earns no cash back or points
- Balance-transfer fee of 3%, rising to 5% after the first 4 months, adds upfront cost
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Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.