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This is one of the most popular balance transfer cards available with super-long 0% intro APR on balance transfers. Plus, this card lets you off easy with NO late payment fees. Learn how this best-in-class balance transfer card offers cardholders hundreds in savings!
The Citi Simplicity® Card is one of the best balance transfer cards you can find. Here’s what you should know.
Why pay interest when you don’t have to? For people who want to kick high-interest credit card debt to the curb, the Citi Simplicity® Card is one of the best get-out-of-debt cards available due to its super-long 0% intro APR period.
Millions of Americans pay too much interest on debt. Carrying credit card debt is one of the most expensive ways to borrow money. If you carry a balance every month, you are probably paying too much interest.
Balance transfer credit cards are one of the best ways you could get out of debt faster. The Citi Simplicity® Card is a shining star in the balance transfer world, giving you one of the longest periods of 0% intro APR available.
With this card, your payments will go directly to paying down your balance for over a year. There is a balance transfer fee of 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). That equals a $250 fee on a $5,000 transfer - it may seem like a lot, but in reality it could easily be offset by the hundreds of dollars in interest savings you're getting with this card.
If you want to get out of debt, starting is the most important thing. Start now and begin your journey toward becoming debt free today.
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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.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.