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Simplicity®

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Simplicity®
4.1

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR

18.49% - 29.24% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

  • Annual Fee: None.
  • Foreign Transaction Fees: 3% of each purchase transaction in U.S. dollars.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • 0% Intro APR on Balance Transfers: For 21 months from account opening. To qualify, you must make balance transfer within the first 120 days.
  • Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 18.49% - 29.24% applies to purchases and balance transfers.
  • No Penalty APR and No Late Fees: Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Choose Your Payment Due Date: Choose to pay your bill on any available due date in the beginning, middle, or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
  • Additional Features: Include automatic account alerts, contactless pay, Digital Wallets, 24/7 customer service, ID Theft Protection, and $0 liability on unauthorized charges.
  • Click ‘Apply Now’ to see the full terms and conditions.
Citi Simplicity® card is the leader of long 0% APR intro offers for balance transfers.