Pay No Interest Until 2026 on Balance Transfers
This top-rated card offers a 0% intro APR for 21 months on balance transfers & 12 months on purchases.
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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
Citi Simplicity® Card
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.
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.