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U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
"No Late Fees, No Penalty Rate, and No Annual Fee... Ever"
No Late Fees, No Penalty Rate, and No Annual Fee… Ever
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Citi Simplicity Card — Fees
0% Intro APR on purchases for 12 months from date of account opening.
After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months.
Ongoing APR: 14.74% - 24.74% Variable
Fee: There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
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