With an incredible 21-month 0% intro APR offer on qualifying balance transfers, no late fees, no annual fee, and no penalty rate, the Citi Simplicity® Card is an unmatched pick.
Our expert's summary:
- 0% intro APR on balance transfers for 21 months. This means you'll pay no interest until nearly 2025!
- 0% intro APR on purchases for 12 months
- No penalty APR. Your APR won’t increase if you slip up and are late on a payment!
- Choose your payment due date
- No late fees & $0 annual fee
Simply put, if you're looking to avoid credit card interest on balance transfers for the longest time possible, it's hard to beat this card.