This card doesn't offer cashback, miles, or points. But it is one of the best 0% credit cards on the market, offering 0% for 21 months on balance transfers and 0% for 12 months on new purchases. It also has a $0 annual fee.

Long 0% Balance Transfer Offer

The Citi Simplicity Card has 0% interest for 21 months on balance transfers. The average balance transfer card is interest-free for about 13 months.

Shorter 0% Purchase Offer

Citi Simplicity now offers 0% for 12 months on new purchases, while the average 0% card gives you about 11 months.


Regular APR

$0 for the first 12 months (then 16.24% to 26.24% variable)

Annual Fee


Cash Advance Rate

16.24% to 26.24% variable

Foreign Transaction Fees

3% of the transaction value


Apply for the Citi Simplicity® Card if you're at least 18 years old and a US citizen.

Go to The Citi Website.

When You Fill Out Your Application Form, You'll Need to Provide:


Online Bill Payment

Call 1-800-374-9700 to learn more.

Customer Service



Mail address

P.O. BOX 9001037

Louisville KY, 40290-1037

Citi Simplicity® Card

From good To exceptional ( Credit Recommended 670-850 )

Citi Simplicity® Card

This is a simple card with no annual fee that offers an excellent intro APR on both purchases and balance transfers. If you want to get rid of the debt you’ve accumulated from other credit cards, this could be the Citibank card for you.

Read More


pros and cons

Intro APR for purchases and balance transfers.Up to 3× points.

No penalty APR.

No annual fee.

Foreign transaction fees.

Balance transfer limits.


Annual Fee


Purchase APR

16.24%-26.24% (V)

Foreign Transaction Fee


Cash Back


Credit Score


No Annual Fee Credit Cards For Bad Credit

Secured cards are designed for people with bad, limited, or no credit, so they usually come with pretty unfavorable terms. But the Discover it Secured is different, and even provides a decent rewards program. Not only that, your cash back is doubled for the first year! That’s even better than some reward credit cards.

Food (Restaurants and Groceries)

The Bank of America® Cash Rewards Credit Card (Review) is one of the most flexible cash back cards around, with a 3% bonus category you can change every month. Dining is one of your choices, along with quite a few other useful options, and you’ll always get grocery stores for one of your smaller categories.

No Annual Fee Credit Cards For Flat-Rate Rewards

Paying an annual fee on a credit card can be worth it if it gets you substantially higher rewards. But in many cases, credit cards that don’t charge annual fees offer better long-term value than those that do. No-annual-fee credit cards make it easy to come out ahead, regardless of your spending. Plus, you’ll be able to keep your card open for a long time at no cost, increasing the average age of your accounts, which has a positive effect on your credit score.

No Annual Fee Credit Cards For Long 0% Purchase APR

If you need a card with a long 0% intro APR for purchases, it will be hard to beat thses cards.

No Annual Fee Credit Cards For Rotating Bonus Categories

The Discover it® Cash Back (Review) is our top pick for rotating cash back categories thanks to its unique Cashback Match. You’ll earn 5% back in categories that change every three months, up to $1,500 spent per quarter (activation required).

Sponsored Links

Related Credit Card/Article

The Citi® Double Cash Card is a no-annual-fee favorite. With a flat cashback rate on all purchases and a bonus amount added as you pay them off, you’ll find simple and strong rewards. Citibank occasionally offers an intro APR on balance transfers. When it does, you’ll typically find an impressive promotion.
Citi® Double Cash Card
If you’re looking for some extra time to pay off large purchases, the Citi Diamond Preferred Card could be your best bet. You won’t earn any rewards, but you’ll get one of the longest 0% introductory APRs on the market as well as some useful benefits like a concierge service and shopping protections.
Citi® Diamond Preferred® Card