{"id":36143,"date":"2023-10-27T19:30:29","date_gmt":"2023-10-27T19:30:29","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=36143"},"modified":"2026-04-08T13:50:09","modified_gmt":"2026-04-08T13:50:09","slug":"citi-simplicity-review","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/citi-simplicity-review\/","title":{"rendered":"Citi Simplicity\u00ae Card Review: No Late Fees or Annual Fees Ever"},"content":{"rendered":"<p>The <a data-ccid=\"740106\" href=\"\/blog\/link\/CR-CitiSimplicityCard\" target=_blank rel=\"noopener nofollow sponsored\">Citi Simplicity<sup>\u00ae<\/sup> Card<\/a> once topped the list of credit cards used to pay down debt or finance more substantial purchases. But now it has a fair bit of competition in the market for balance transfer offers \u2014 which is great news for consumers. In this post, we'll help you determine if the Citi Simplicity is a good fit for you.<\/p>\n<p><div class=\"qs-card\" data-id=\"740106\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Simplicity<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/ae40c910-8323-4991-8628-2d5a5b534ad2.jpg\" width=\"150\" alt=\"Citi Simplicity\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"740106\" href=\"\/blog\/link\/CR-CitiSimplicityCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Simplicity<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Simplicity boasts a long 0% intro APR for balance transfers at 21 months. (Balance transfers must be completed within 4 months of account opening.)\r\n<br>\r\n<br>\r\nThis card is also among one of the most forgiving products on the market\u2014with no late payment fees or penalty APR rate\u2014if you miss a payment.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>No Late Fees<\/li>\r\n<li>No Penalty APR Rate<\/li> \r\n<li>No Annual Fee<\/li>\r\n<li>Access to your FICO<sup>\u00ae<\/sup> Score<\/li>\r\n<\/ul>\r\n<\/div><div class=\"qs-tab-er\">This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\n<a href=\"https:\/\/awardwallet.com\/credit-cards\/0-apr-credit-cards-with-no-annual-fee\/\">best 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiSimplicity\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-17fe2c9156#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Citi_Simplicity_Pros\">Citi Simplicity Pros<\/a><\/li><li><a href=\"#Citi_Simplicity_Cons\">Citi Simplicity Cons<\/a><\/li><li><a href=\"#Citi_Simplicity_Welcome_Bonus\">Citi Simplicity Welcome Bonus<\/a><\/li><li><a href=\"#Citi_Simplicity_Benefits\">Citi Simplicity Benefits<\/a><ul><li><a href=\"#0_introductory_APR_on_purchases\">0% introductory APR on purchases<\/a><\/li><li><a href=\"#0_introductory_APR_on_balance_transfers\">0% introductory APR on balance transfers<\/a><\/li><li><a href=\"#No_late_fees_or_penalty_APR\">No late fees or penalty APR<\/a><\/li><li><a href=\"#Choose_your_payment_due_date\">Choose your payment due date<\/a><\/li><\/ul><\/li><li><a href=\"#Citi_Simplicity_Earning_Rates\">Citi Simplicity Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Rewards_With_the_Citi_Simplicity\">Redeeming Rewards With the Citi Simplicity<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Citi_Simplicity\">Cards That Compete With the Citi Simplicity<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Citi_Simplicity_Pros\">Citi Simplicity Pros<\/span><\/h2>\n<ul>\n<li>$0 annual fee.<\/li>\n<li>No late fees or penalty APR.<\/li>\n<li>Introductory interest offer on purchases and balance transfers.<\/li>\n<\/ul>\n<h2><span id=\"Citi_Simplicity_Cons\">Citi Simplicity Cons<\/span><\/h2>\n<ul>\n<li>Does not earn any rewards.<\/li>\n<li>No welcome bonus.<\/li>\n<li>Has a 3% foreign transaction fee.<\/li>\n<\/ul>\n<figure id=\"attachment_132046\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-132046 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-man-with-credit-card-featured-300x240.png\" alt=\"a man holds a credit card and a smart phone\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-man-with-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-man-with-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-man-with-credit-card-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-man-with-credit-card-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Anete Lusina\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Citi_Simplicity_Welcome_Bonus\">Citi Simplicity Welcome Bonus<\/span><\/h2>\n<p>The <a data-ccid=\"740106\" href=\"\/blog\/link\/CR-CitiSimplicityCard\" target=_blank rel=\"noopener nofollow sponsored\">Citi Simplicity<\/a> does not have a welcome bonus, but it boasts one of the longest 0% introductory APR offers for balance transfers at 21 months (then a Variable APR of 18.24% - 28.99%). For purchases, you\u2019ll get a 0% introductory APR for 12 months (then a Variable APR of 18.24% - 28.99%).<\/p>\n<p>While the length of the introductory APR period is an important factor, you should always include the balance transfer fee in your calculation. Balance transfer fees go up after an introductory period: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5). A 5% balance transfer fee is a fair bit higher than many of the cards on our list of the <a target=\"_blank\" href=\"\/credit-cards\/best-balance-transfer-cards\/\" rel=\"noopener\">best 0% APR credit cards for balance transfers<\/a>.<\/p>\n<p><strong>Learn More: <a target=\"_blank\" href=\"\/credit-cards\/sign-up-bonus\/\" rel=\"noopener\">How Does a Credit Card Sign-Up Bonus Work?<\/a><\/strong><\/p>\n<h2><span id=\"Citi_Simplicity_Benefits\">Citi Simplicity Benefits<\/span><\/h2>\n<h3><span id=\"0_introductory_APR_on_purchases\"><strong>0% introductory APR on purchases<\/strong><\/span><\/h3>\n<p>The <a data-ccid=\"740106\" href=\"\/blog\/link\/CR-CitiSimplicityCard\" target=_blank rel=\"noopener nofollow sponsored\">Citi Simplicity<\/a> doesn\u2019t provide traditional rewards, like cash back or travel points. However, you can take advantage of the 12 months 0% introductory APR (annual percentage rate) on purchases to finance large items that may take a few months to pay off. After the introductory period, you'll pay a variable rate of 18.24% - 28.99%.<\/p>\n<h3><span id=\"0_introductory_APR_on_balance_transfers\"><strong>0% introductory APR on balance transfers<\/strong><\/span><\/h3>\n<p>The intro 0% APR on balance transfers is also a great benefit if you have existing debt to pay off. If you find yourself struggling with high-interest credit card debt, or you have a change of circumstance that affects your ability to pay off your card in full, you can transfer the balance to the <a data-ccid=\"740106\" href=\"\/blog\/link\/CR-CitiSimplicityCard\" target=_blank rel=\"noopener nofollow sponsored\">Citi Simplicity<\/a> and have 21 months to pay the debt off before you are required to pay interest.<\/p>\n<p>Just keep in mind that there are fees on balance transfers.\u00a0When compared to other balance-transfer cards that charge a 3% fee, the 5% fee on amounts transferred after the first four months can really add up. For example, if you have the option to transfer a $5,000 balance to the <a data-ccid=\"740106\" href=\"\/blog\/link\/CR-CitiSimplicityCard\" target=_blank rel=\"noopener nofollow sponsored\">Citi Simplicity<\/a> with a 5% balance transfer fee or transfer to the Amex EveryDay<sup>\u00ae<\/sup> Credit Card, which charges a balance transfer of the greater of $5 or 3% , you would save $100 by choosing the Amex card.<\/p>\n<p><strong>Related:\u00a0<a target=\"_blank\" href=\"\/credit-cards\/how-is-credit-score-calculated\/\" rel=\"noopener\">A Beginner's Guide to Building Healthy Credit<\/a><\/strong><\/p>\n<h3><span id=\"No_late_fees_or_penalty_APR\"><strong>No late fees or penalty APR<\/strong><\/span><\/h3>\n<p>The <a data-ccid=\"740106\" href=\"\/blog\/link\/CR-CitiSimplicityCard\" target=_blank rel=\"noopener nofollow sponsored\">Citi Simplicity<\/a> can get you out of trouble when you run into financial hurdles that cause you to miss your payment due date. Though you shouldn't make a habit of paying your bill late, you will not be penalized by late fees or an increased interest rate.<\/p>\n<p>However, late and missed payments may still appear on your credit report. This can adversely affect your <a target=\"_blank\" href=\"\/credit-cards\/tips-managing-credit-score\/\" rel=\"noopener\">credit score<\/a>.<\/p>\n<h3><span id=\"Choose_your_payment_due_date\">Choose your payment due date<\/span><\/h3>\n<p>In order to help you pay on time (even though there's no late fee), Citi lets you choose a date to pay your bill in the beginning, middle, or end of the month.<\/p>\n<figure id=\"attachment_124839\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-124839 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Brooke-Cagle-Unsplash-friends-using-laptop-featured-300x240.png\" alt=\"2 friends use a laptop together to consider getting the Citi Simplicity Card\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Brooke-Cagle-Unsplash-friends-using-laptop-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Brooke-Cagle-Unsplash-friends-using-laptop-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Brooke-Cagle-Unsplash-friends-using-laptop-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Brooke-Cagle-Unsplash-friends-using-laptop-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Brooke Cagle\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Citi_Simplicity_Earning_Rates\">Citi Simplicity Earning Rates<\/span><\/h2>\n<p>The <a data-ccid=\"740106\" href=\"\/blog\/link\/CR-CitiSimplicityCard\" target=_blank rel=\"noopener nofollow sponsored\">Citi Simplicity<\/a> does not earn any rewards on spending. If you're looking to earn cash back or points and miles for travel by using a card to pay for your <a target=\"_blank\" href=\"\/credit-cards\/best-everyday-credit-card\/\" rel=\"noopener\">everyday spending<\/a>, then this card may not be the best option for you.<\/p>\n<p>It also has a 3% foreign transaction fee, making it a poor choice for use during international travel. For trips outside the U.S., you should use a <a target=\"_blank\" href=\"\/credit-cards\/no-foreign-transaction-fee\/\" rel=\"noopener\">card with no foreign transaction fees<\/a>.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/travel\/types-of-rewards-points\/\" rel=\"noopener\">An Introduction to the Types of Reward Points<\/a><\/strong><\/p>\n<h2><span id=\"Redeeming_Rewards_With_the_Citi_Simplicity\">Redeeming Rewards With the Citi Simplicity<\/span><\/h2>\n<p>There are no redemption options since the <a data-ccid=\"740106\" href=\"\/blog\/link\/CR-CitiSimplicityCard\" target=_blank rel=\"noopener nofollow sponsored\">Citi Simplicity<\/a> does not earn rewards.<\/p>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>The application states &#8220;This offer is valid for new accounts only&#8221; and that Citi will be make the final determination about an applicant's eligibility. However, what constitutes a new account is unclear.<\/p>\n<p>There does not seem to be a 48-month restriction, like <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/how-to-earn-citi-points\/\" rel=\"noopener\">Citi's ThankYou Points-earning cards<\/a> or <a target=\"_blank\" href=\"\/credit-cards\/american-aadvantage\/american-airlines-credit-card\/\" rel=\"noopener\">AAdvantage cards<\/a> have, likely due to the fact that the <a data-ccid=\"740106\" href=\"\/blog\/link\/CR-CitiSimplicityCard\" target=_blank rel=\"noopener nofollow sponsored\">Citi Simplicity<\/a> does not earn rewards or have a welcome bonus.<\/p>\n<p>Citi doesn\u2019t have a stated rule on the number of cards you can have. Instead, it restricts the combined total credit limit extended across all of your Citi cards. For application frequency, you can only apply for one personal card per eight-day period and only two cards in a 65-day period.<\/p>\n<p><strong>Related:\u00a0<a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Citi_Simplicity\">Cards That Compete With the Citi Simplicity<\/span><\/h2>\n<p style=\"text-align: center;\"><div class=\"compare-cards-wrap compare-count-cards-3 compare-p-capital-one\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--9\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/01\/CardArt-ChaseFreedomFlexCard.png\" width=\"150\" alt=\"Chase Freedom Flex\u2120\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Flex\u2120<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" =_blank>Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% on up to $1,500 on combined purchases in <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\" =_blank>bonus categories<\/a> each quarter you activate<\/li>\r\n<li>Earn 5% on travel purchased through Chase Ultimate Rewards<\/li>\r\n<li>Earn 3% on dining at restaurants, including takeout and eligible delivery services<\/li>\r\n<li>Earn 3% on drugstore purchases<\/li>\r\n<li>Earn 1% on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/a134121f-8ee3-4a8f-8d57-479d9461f5f7.png\" width=\"150\" alt=\"Capital One Quicksilver Cash Rewards Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Quicksilver Cash Rewards Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\n$200 Cash Back after you spend $500 on purchases within 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"3006159\" class=\"btn-use qs-how-apply\" title='Capital One Quicksilver Cash Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneQuicksilverCashRewardsCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\r\n<li>5% cash back on purchases through Capital One Entertainment<\/li>\r\n<li>1.5% cash back on every purchase, every day<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\n<ul>\n<li><strong>If you'd like to earn cash back or reward points plus have a low intro rate for balance transfers,<\/strong> the <a data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is a great option. Like the Citi Simplicity, it does not have an annual fee. The card earns 2% back on every purchase (1% when you buy plus 1% as you pay). Check out our full <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\" rel=\"noopener\">review of the Citi Double Cash<\/a> for more details.<\/li>\n<li><strong>If you'd like to earn rewards for spending in certain bonus categories,<\/strong> the <a data-ccid=\"4048224\" href=\"\/blog\/link\/ChaseFreedomFlex\" rel=\"noopener nofollow sponsored\">Chase Freedom Flex\u2120<\/a> is an excellent choice. It also has no annual fee and a low intro APR for purchases and balance transfers. However, it goes a step further by offering significant rewards if your purchases fall under the specified bonus categories. You'll get 5% cash back on $1,500 of purchases in select rotating bonus categories that change each quarter, plus 3% back on drugstore purchases and dining. The cash back can be redeemed as points for travel if you have other Chase credit cards for combining rewards. Our <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" rel=\"noopener\">Freedom Flex review<\/a> has more information.<\/li>\n<li><strong>If you want a 0% introductory APR card that offers a cash-back welcome bonus,<\/strong> take a look at the <a data-ccid=\"3006159\" href=\"\/blog\/link\/CR-CapitalOneQuicksilverCashRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Capital One Quicksilver Cash Rewards Credit Card<\/a>. It has no annual fee and earns 1.5% cash back on every purchase, every day. It's currently offering a new cardmember bonus of $200 cash bonus after you spend $500 on purchases within 3 months from account opening. In addition, a 0% intro APR on purchases for 15 months, then a regular Variable APR of 18.49% - 28.49%. More details are in <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/quicksilver-card\/\" rel=\"noopener\">Capital One Quicksilver review<\/a>.<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/0-apr-credit-cards-with-no-annual-fee\/\" rel=\"noopener\">Best $0 Annual Fee Credit Cards With 0% Intro APR<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"740106\" href=\"\/blog\/link\/CR-CitiSimplicityCard\" target=_blank rel=\"noopener nofollow sponsored\">Citi Simplicity<\/a> has no annual fee, and you don\u2019t get charged late payment fees, nor will you pay a penalty APR if you are late paying your bill. The card is forgiving in this respect, but it also could cement poor fiscal habits that could negatively impact your credit score in the long run.<\/p>\n<p>You should do everything in your power to pay the full balance on your credit cards each month to avoid paying interest on purchases. But, if money is tight and you need time to reset your finances, the Citi Simplicity could play an active role in your economic recovery.<\/p>\n<p><div class=\"qs-card\" data-id=\"740106\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Simplicity<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/ae40c910-8323-4991-8628-2d5a5b534ad2.jpg\" width=\"150\" alt=\"Citi Simplicity\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"740106\" href=\"\/blog\/link\/CR-CitiSimplicityCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Simplicity<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Simplicity boasts a long 0% intro APR for balance transfers at 21 months. (Balance transfers must be completed within 4 months of account opening.)\r\n<br>\r\n<br>\r\nThis card is also among one of the most forgiving products on the market\u2014with no late payment fees or penalty APR rate\u2014if you miss a payment.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>No Late Fees<\/li>\r\n<li>No Penalty APR Rate<\/li> \r\n<li>No Annual Fee<\/li>\r\n<li>Access to your FICO<sup>\u00ae<\/sup> Score<\/li>\r\n<\/ul>\r\n<\/div><div class=\"qs-tab-er\">This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\n<a href=\"https:\/\/awardwallet.com\/credit-cards\/0-apr-credit-cards-with-no-annual-fee\/\">best 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiSimplicity\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-17fe2c9156#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Citi Simplicity\u00ae Card has one of the longest introductory APR rates of all balance transfer offers on the market. But there are several other factors you should consider before you pick a card to restructure debt or finance a significant purchase. Check out our full card review to get the details and compare your options.<\/p>\n","protected":false},"author":79,"featured_media":132046,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,12785],"coauthors":[36415],"class_list":["post-36143","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-citibank"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/36143","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/79"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=36143"}],"version-history":[{"count":40,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/36143\/revisions"}],"predecessor-version":[{"id":256016,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/36143\/revisions\/256016"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/132046"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=36143"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=36143"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=36143"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=36143"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}