Citi

Citi Simplicity

Good Credit (690+)

Annual Fee

None

APR

0% intro for 21 months, then 18.49%–29.24% variable

Good Credit (690+)

Annual Fee

None

Foreign Fee

Credit Score

670+

⭐Perks & Benefits

0% intro APR for 21 months on balance transfers (must initiate within first 4 months)
5% balance transfer fee (minimum $5)
No late fees, no penalty rate — ever
After intro period: 18.49%–29.24% variable APR
No annual fee

For informational purposes only. Not financial advice. Card terms and offers are subject to change. Review full terms before applying.

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