- Click APPLY NOW to apply online.
- 0% Intro APR on balance transfers and purchases for 18 months from date of account opening. After that, the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 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).
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- $0 liability on unauthorized charges.
- Rates & Fees
Reviews
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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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CompareCards was one of three sites that met all the criteria.
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Citibank Credit Card Offers
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While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Our pick for best low-interest card with no late fees or penalty APR
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Annual Fee$0
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Welcome OfferN/A
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Rewards RateN/A
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Credit Needed
Bottom Line
The Citi Simplicity® Card keeps it simple, streamlining the terms of its cardholder agreement in a way that is probably simpler than any other credit card on the market. Plus, there is 0% intro APR for 18 months on Purchases and 0% intro APR for 18 months on Balance Transfers, no annual fee, and no late penalties.
Our Take
The Good
The best part about this card is the fantastic 0% intro APR on purchases and balance transfers. With the lack fees and penalties, the Citi Simplicity® Card can be a big relief when many other credit cards seem to charge you a fee any chance they get.
The Not So Good
You’ll need excellent-good credit to qualify for the Citi Simplicity® Card, and there is no rewards program attached to it.
Highlights
See Additional Details for Citi Simplicity® Card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Citibank Credit Card Review
Citibank credit cards are issued through Citi Bank, a subsidiary of CitiGroup, which is a multinational umbrella organization encompassing dozens of major corporations within the global financial services industry. Citi operates in more than 100 different countries and boasts approximately 200 million customers.
Citi Bank was originally founded in 1812 as a New York banking company. In the late 1990s Citi merged with Travelers Group to form the current CitiGroup brand. In addition to its credit card business CitiGroup also operates stock brokerage firms, insurance companies, investment banking services, wealth management services, and other ventures that offer financial services and related products.
Citibank credit cards include student credit cards, travel rewards cards, and Citi credit cards that have “thank you” points programs that earn valuable rewards as you shop and make purchases. The Citi Platinum Select lineup of credit cards, for example, provide zero introductory APR offers.
Looking for cash back and a balance transfer? The Citi® Double Cash Card – 18 month BT offer is a top notch cash back card is a leader among cash-back cards, as well as a good option for balance transfers.
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
