Citi Simplicity®: 18 Months of 0% APR on Purchases & Balance Transfers

Get 0% intro APR on purchases and balance transfers for 18 months, with no annual fee, no late fees, and no penalty rate.

Olena
By Olena | Aug 31, 2026 at 1:08 AM EST

The Bottom Line

2.8
BIG4CREDIT RANKING Our 5-star rating is based on Big4credit’s independent, data-driven scoring system. Each card is evaluated across multiple weighted categories – including rewards, fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections. Ratings are determined solely by our research and analysis and are never influenced by card issuers or advertisers. Read about our ranking system in the Credit Card Ranking & Methodology section.
This is a strong choice for cardholders who need extra time to pay off purchases or transfer existing debt. It offers a 0% intro APR for 18 months on purchases and balance transfers, with no annual fee, late fees, or penalty APR. However, it offers no rewards, making it less appealing for everyday spending. Best for consumers prioritizing low-interest financing over rewards.
Citi Simplicity®
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Citi Simplicity®
Annual fee:   $0

Intro APR

Purchases: 0%, 18 months

Balance Transfers: 0%, 18 months

Regular APR

17.49% - 28.24% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

Pros and Cons

Pros:

  • No annual fee
  • Intro 0% APR on purchases and balance transfers
  • No late fees
  • No penalty interest rate

Cons:

  • No rewards
  • Foreign transaction fees
  • No sign-up bonus

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 18 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 4 months.
  • Regular APR: After the introductory period, a variable APR of 17.49% - 28.24% applies to purchases and balance transfers.
    • Paying late won’t raise your APR.
  • Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 4 months.
  • Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
  • Late Payment: No fee if you miss a payment.

Convenience Features

  • Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
  • Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.

Nice Extras

  • Entertainment Access: Citi Entertainment® (presale ticket access and occasional exclusive events).
  • Citi Travel®: Integrated travel booking portal (book flights, hotels, car rentals, and attractions using your eligible Citi card, points, or a combination of both).

Shopping & Savings

Citi® Merchant Offers: Targeted statement credit offers on select purchases. Enrollment required; offers vary by cardmember.

Buy Now, Pay Later Options

Citi® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.

Additional Features

  • Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
  • Card Lock: Citi Quick Lock (temporarily blocks new purchases while allowing recurring transactions).

Ratings

  • Net Value & Cost Efficiency: 4.7/10
  • Rewards & Earnings Power: 0/10
  • Welcome Bonus Value: 0/10
  • First-Year Earning Boost: 0/10
  • APR & Interest Structure: 9.3/10
  • Simplicity & Transparency: 9.3/10
  • Perks, Benefits & Protections: 1.9/10
  • Issuer Credibility & Stability: 5.8/10
  • Installment & BNPL Features: 7/10
  • Eligibility & Approval Accessibility: 7.5/10

Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.

Customer Satisfaction

The Citi Simplicity® Card received a 532 out of 1,000 score in the 2026 J.D. Power U.S. Credit Card Satisfaction Study, placing it below the average score for no-annual-fee, no-rewards credit cards.

Terms and Conditions

Click Apply Now to see the terms and conditions.

» MORE: See Big4credit’s best 0% APR credit cards

» MORE: See Big4credit’s best credit cards for balance transfers

The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.

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