CitiBest for Balance transfer APR length
Citi Simplicity®
Annual Fee
$0
Rewards Rate
0%
Intro Offer
None
Regular APR
18.49%-28.99% Variable
Citi Simplicity®
Citi Simplicity®
0% intro APR for 21 months on balance transfers. No late fees ever.
Our take
One of the longest 0% intro APR offers for balance transfers at 21 months. No annual fee and no late fees — ever. A pure utility card for paying down debt without rewards distractions.
Highlights
What we like
0% intro APR for 21 months on balance transfers
No annual fee
No late fees — ever
The trade-off
No rewards program
3% foreign transaction fee
Purchase APR intro only 12 months
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 0% |
| Rewards type | None |
| Bonus categories | |
| Welcome offer | None |
Fees & APR
| Annual fee | $0 |
| Intro APR (purchases) | 0% for 12 months |
| Intro APR (balance transfers) | 0% for 21 months |
| Ongoing APR | 18.49%-28.99% Variable |
| Foreign transaction fee | Yes (3%) |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
Yes, this card charges a foreign transaction fee. See the full details section for the specific amount.
How do I earn the welcome offer?
You need to meet spending requirements to earn: None. Terms apply — check the issuer's site for exact details.
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Citi Simplicity®