Pay No Interest Until 2026 on Balance Transfers

The Citi Simplicity® Card from our partner Citi is our top pick for consumers with good to excellent credit looking to complete a balance transfer.

Bottom Line:

• 0% intro APR for 21 months on balance transfers
• 0% intro APR for 12 months on purchases
• 19.24% - 29.99% (Variable) after the introductory rates
• $0 annual fee
• No Late Fees or Penalty APR
• Select, “APPLY NOW” to apply online

Do you need some breathing room with your credit card interest payments? 

If so, the Citi Simplicity® Card is a great option that offers a 0% intro APR for 21 months on balance transfers and 0% intro APR for 12 months on purchases. After the introductory period, a 19.24% - 29.99% (Variable) will apply. These incredibly generous intro periods make the Citi Simplicity® Card one of the best available options, especially for balance transfers.

Here’s Why We Love This Balance Transfer Card

If you’re looking to optimize your credit card interest payments, a balance transfer card is rated based on how much time the card issuer gives you to pay down your existing balance without any interest payments.  With 21 full months of 0% interest on balance transfers it’s easy to see why the Citi Simplicity® Card is our top-rated balance transfer card.

The Citi Simplicity® Card is an attractive card for those interested in:

• Transferring existing balances
• $0 Annual Fee
• No Penalty APR
• No Late fees

Apply Now

on Citi®'s secure site

Rates and Fees

Citi Simplicity® Card

Balance Transfer APR

0% intro APR for 21 months on balance transfers, then 19.24% – 29.99% (Variable)

Purchase APR

0% intro APR for 12 months on purchases, then 19.24% – 29.99% (Variable)

Annual Fee

$0

Recommended Credit Score

Excellent/Good 670 – 850*

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Advertiser Disclosure

At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.

The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.

Citi Simplicity® Card

Apply Now

on Citi®'s secure site

Critics' Overview

This card is hard to beat if you are looking for the longest possible intro APR on balance transfers. It also offers a generous intro period on purchases and boasts no late fees, no penalty rate and no annual fee.

Purchase & Balance Transfer APR

0% Intro APR on purchases for 12 months and 0% Intro APR on balance transfers for 21 months, then 19.24% – 29.99% (Variable)

Balance Transfer Fee

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).

Recommended Credit Score

Excellent/Good (670 – 850*)

Annual Fee

$0

Card Details From Issuer

• No Late Fees, No Penalty Rate, and No Annual Fee… Ever
• 0% Intro APR for 21 months on balance transfers from date of first transfer and 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. 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).
• Stay protected with Citi® Quick Lock

Rates and Fees

Apply Now

On Citi®'s Secure site

Here’s How To Apply

The Citi Simplicity® Card is a great fit for anyone who wants plenty of time to pay down debt or finance a large purchase, without being charged interest payments. 

Interested and want to find out if you’re approved? You could get a decision in 60 seconds or less. Apply Now.

We think the Citi Simplicity® Card card is tough to beat but if you would like to compare other balance transfer options you can do so here.

As you can see, it is a great time to be in the market for a new credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then it is the perfect time to apply today.

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Apply Now

On Citi®’s Secure Website

Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.