Some credit cards are designed specifically to help you pay off credit card debt, and Citi Simplicity® Card - No Late Fees Ever, a partner card, is one of these. Although there are other "hybrid" credit cards which provide good terms for balance transfers but double as a cash back or travel credit card, Citi Simplicity® Card - No Late Fees Ever has a special set of benefits which make it stand out from similar cards issued by other nationwide banks.

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Citi Simplicity<sup>®</sup> Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

APPLY NOWAt Citi's secure website
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
APPLY NOWAt Citi's secure website

0%* intro APR on purchases* for 12 months and balance transfers for 21 months*

16.49% - 26.49%* (Variable)

$0*

Why we like it
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness.
We least like
  • No rewards program.
Excellent, Good

Here GET.com provides answers to key questions about Citi Simplicity® Card - No Late Fees Ever to help you better understand the advantages and disadvantages of using this card.

Apply for Citi Simplicity® Card - No Late Fees Ever at the official Citi website.

Frequently Asked Questions About Citi Simplicity® Card - No Late Fees Ever
How does this card help me pay off debt?
Do I pay to transfer balances to this card?
How much debt can I transfer to this card?
Does this card have an annual fee?
Do I earn rewards or cash back when I use this card?
So is it worth using this card to make purchases?
Are there any other shopping benefits?
Can I use this card to get cash at ATMs?
When is my payment due?
Is this a good card for international spending?
Do I pay penalty fees if I make a late payment?
Do I get free credit score reports?
Can I get this card even if I have bad credit?
Who is this card for?

Questions And Answers For Citi Simplicity® Card - No Late Fees Ever

Question: How does this card help me pay off debt?

Answer: Although getting Citi Simplicity® Card - No Late Fees Ever will not magically erase your old credit card debt, it can help you avoid getting deeper into debt because it has a 0% intro APR on purchases for 12 months and balance transfers for 21 months, only after which the standard 16.49% - 26.49%* variable APR applies. That gives you nearly two years to pay off your balance without being charged interest. If you currently pay 10% - 20% in interest on your credit card balances, transferring those balances to Citi Simplicity® Card - No Late Fees Ever will help you stop accumulating more debt due to interest charges so you can focus on paying off your existing debt.

Question: Do I pay to transfer balances to this card?

Answer: Yes, there is a balance transfer fee of 5% of each balance transfer; $5 minimum. There are other cards which do not charge a balance transfer fee, but have shorter introductory low APR periods, or none at all. If you have a large amount of debt, the money you save on interest charges over the lengthy introductory APR period you get with Citi Simplicity® Card - No Late Fees Ever could more than make up for what you pay in balance transfer fees.

Question: How much debt can I transfer to this card?

Answer: That depends on the line of credit you are approved for. You can transfer balances up to your available credit limit. Bear in mind that transfer fees will be deducted from available credit. If, for example, you get a $5,000 line of credit when you first open the account, you can transfer up to $4,850 (the balance transfer fee would use the remaining $150 of credit). The credit limit you get will be determined by your annual income, and a review of your debt. Credit limits can be as low as $500, but if you have a decent income and credit history you may get a much higher line of credit.

Question: Does this card have an annual fee?

Answer: No, you pay no annual fee to use Citi Simplicity® Card - No Late Fees Ever.

Question: Do I earn rewards or cash back when I use this card?

Answer: No, you do not earn rewards when you use Citi Simplicity® Card - No Late Fees Ever to make purchases.

Question: So is it worth using this card to make purchases?

Answer: Even though you do not earn rewards for purchases, this card can still work well for big-ticket purchases because of the long introductory APR period (0% intro APR on purchases for 12 months and balance transfers for 21 months with 16.49% - 26.49%* variable APR after that - based on your creditworthiness). The money you can save on interest payments by paying for a big purchase during the introductory period makes using this card an attractive alternative to buying on installments or leasing.

Question: Are there any other shopping benefits?

Answer: When you use Citi Simplicity® Card - No Late Fees Ever to pay for purchases, Citi extends the warranties of the items you buy. Citi Price Rewind is a particularly useful price protection service through which you can have Citi track online offers for things you buy using this card to see if lower prices appear during 60 days after you make the purchase. If a lower price is found, you may be reimbursed for the difference.

Question: Can I use this card to get cash at ATMs?

Answer: Not really. The standard APR (16.49% - 26.49%* variable cash advance APR) applies to cash advances, which is a plus because many other credit cards have a higher APR for cash advances. However, you pay 5% of each cash advance; $10 minimum every time you use this card to get cash, which is a huge amount of money to pay just to get some ready money.

Question: When is my payment due?

Answer: You get to set up your own bill payment schedule on any available due date throughout the month. As with other credit cards, you can either pay your full balance or just the minimum payment due each month, though paying in full is always recommended because that way you avoid interest charges. The due date for your payment is at least 23 days after the close of each billing cycle.

Question: Is this a good card for international spending?

Answer: No, because it has a 3% foreign transaction fee which you pay when you use this card to make purchases outside of the U.S. in foreign currencies.

Question: Do I pay penalty fees if I make a late payment?

Answer: No, Citi Simplicity® Card - No Late Fees Ever has no late fees and no penalty rate. That is a major benefit which provides a lot of peace of mind, but don't get too comfortable. Paying your credit card bill late will still affect your credit history, so you should avoid doing so at all costs.

Question: Do I get free credit score reports?

Answer: No, free access to your credit score is not provided as a card benefit with Citi Simplicity® Card - No Late Fees Ever.

Question: Can I get this card even if I have bad credit?

Answer: No, this card is only available to people with excellent credit. If you do not have excellent credit then you should not apply at all because being rejected can hurt your credit.

Question: Who is this card for?

Answer: This card is for people who want a very long introductory low APR period for both balance transfers and purchases. Whether you want to invest in a big purchase and pay it off interest-free or enjoy a reprieve from interest rates during which you can pay off your credit card debts, Citi Simplicity® Card - No Late Fees Ever with its 0% intro APR on purchases for 12 months and balance transfers for 21 months will help you do those things before the 16.49% - 26.49%* variable APR kicks in.

More about Citi Simplicity® Card - No Late Fees Ever:

Our Citi Simplicity® Card - No Late Fees Ever Review
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