Citi Simplicity Credit Card: 0% introductory APR for 18 months

citiSign up for the Citi Simplicity® Credit Card and receive 0% introductory APR on purchases and balance transfers the first 18 months of cardmembership. (After that, the APR is variable, currently at 12.99% to 21.99%.) That’s the longest introductory APR period we’ve seen for any credit card. Plus, there’s no late fees and no penalty rate.


  • 0% Intro APR for 18 months on purchases and balance transfers
  • Then, a variable APR of 12.99% – 21.99% based on your creditworthiness for everything from purchases to cash advances
  • No annual fee
  • Peace of Mind with no late fees and no penalty rate
  • Direct Access: Help is always at your fingertips with direct access to a representative

Citi Simplicity Card Review

Citibank is no stranger to launching quality credit cards with excellent introductory rates, and it would appear they’ve done it again. The Citi Simplicity® Card, which you may have seen advertised on television, is now offering consumers the longest 0% intro rate available today–18 months* months on both purchases and balance transfers. And even though this card doesn’t carry a rewards program, it has a few other cool benefits as well.

Cardholders of the Citi Simplicity Card will receive a 0% intro APR on purchases and balance transfers for 18 months* months. After the introductory period has expired, the interest rate will become 12.99% – 21.99% variable. That rate is about average when compared to other cards but the intro period is outstanding. The balance transfer fee is a standard 3% with a $5 minimum.

Another area where the Citi Simplicity® Card outperforms the competition is with it’s perks. All cardholders are privy to the following:

  • No late payment fees
  • No over-limit fees
  • Live customer service 24 hours a day, seven days a week

Most credit cards include a $35 or so fee for making late payments or going over your balance but not the Citi Simplicity Card. This does not mean however, that you can make late payments frequently … simply that Citi can forgive a time or two. Also important to note is that anytime you need assistance, you can call Citi using the number on the back of your card, punch in your account number and be connected to a live agent immediately. No wasting time with automation.

Sometimes a name says it all, and the Citi Simplicity Card does exactly what you would expect. This card is perfect for responsible credit card users looking to make interest free purchases (as well as take advantage of a balance transfer) for 18 months* months. If you’d like to take advantage of this limited time offer, visit the secure application page of the Citi Simplicity® Card using any link found in this post.

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