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CitiBalance Transfer
Citi Simplicity Card
Cash back card from Citi
$0
No annual fee
- 0% intro APR for 21 months on balance transfers
- 0% intro APR for 12 months on purchases
- No annual fee
- No late fees ever
- No penalty APR
Credit Needed
Good (670-749)
Personal card
APR
0% intro
then 18.49%–28.74% after 21 months
Foreign Transaction Fee
3%
Fee on foreign purchases
Balance Transfer
0% intro
for 21 months, then 18.49%. 3% fee
Base Reward Rate
0%
On all other purchases
Rates and fees disclosure
Card details last verified January 2026. Rates, fees, and rewards are subject to change. Visit the issuer's website for the most current information. We may earn a commission when you apply through our links, but this never affects our recommendations.
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