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

Recent changes

• Oct 11, 2026New card added

Pairs well with

Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →

How it stacks up