0% Intro APR on Balance Transfers and Purchases

Take control of your finances with the Citi Simplicity® Credit Card’s 0% introductory APR on balance transfers and purchases for an extended period. This feature allows you to consolidate your existing credit card debt or make new purchases without accruing interest, giving you the breathing room you need to pay down your balance.

Annual fee	No annual fee
Low intro APR on balance transfers for 21 months	0% Intro APR for 21 months on balance transfers from date of first transfer; after that, the variable APR will be 19.24% – 29.99%, based on your creditworthiness.
Low intro APR on purchases for 12 months	0% Intro APR for 12 months on purchases from date of account opening; after that, the variable APR will be 19.24% – 29.99%, based on your creditworthiness.
More benefits	No late fees No penalty rate $0 liability on unauthorized charges

Apply Today and Experience the Simplicity

Ready to simplify your finances? Apply for the Citi Simplicity® Credit Card today and experience the freedom of a credit card that puts you first.

Disclaimer: Before applying for any credit card, always review the complete terms and conditions to ensure it meets your financial needs.