Citi Simplicity® Card

No rewards — this card is for paying down a balance

0% intro APR for 18 months on purchases and balance transfers (transfers within 4 months, 3% fee), then 17.74%–28.49% variable. No late fees or penalty APR. Use it for the intro APR, then put everyday spending on a card that earns — see the best cards by category.

Card details

Network

Mastercard

Foreign transaction fee

Yes (usually ~3%)

Credit usually needed

Good (about 670+)

Intro APR

0% intro APR for 18 months on purchases and balance transfers (transfers within 4 months, 3% fee), then 17.74%–28.49% variable. No late fees or penalty APR.

Last verified

Oct 12, 2026

Pairs well with

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How it stacks up