Rewards

This card doesn't offer cashback, miles, or points. But it is one of the best 0% credit cards on the market, offering 0% for 21 months on balance transfers and 0% for 12 months on new purchases. It also has a $0 annual fee.

Long 0% Balance Transfer Offer

The Citi Simplicity Card has 0% interest for 21 months on balance transfers. The average balance transfer card is interest-free for about 13 months.

Shorter 0% Purchase Offer

Citi Simplicity now offers 0% for 12 months on new purchases, while the average 0% card gives you about 11 months.


Costs

Regular APR

$0 for the first 12 months (then 16.24% to 26.24% variable)

Annual Fee

$0

Cash Advance Rate

16.24% to 26.24% variable

Foreign Transaction Fees

3% of the transaction value


Application

Apply for the Citi Simplicity® Card if you're at least 18 years old and a US citizen.

Go to The Citi Website.

When You Fill Out Your Application Form, You'll Need to Provide:


Payment

Online Bill Payment

Call 1-800-374-9700 to learn more.


Customer Service

Phone

1-800-950-5114

Mail address

P.O. BOX 9001037

Louisville KY, 40290-1037

Citi Simplicity® Card

From good To exceptional ( Credit Recommended 670-850 )

Citi Simplicity® Card

This is a simple card with no annual fee that offers an excellent intro APR on both purchases and balance transfers. If you want to get rid of the debt you’ve accumulated from other credit cards, this could be the Citibank card for you.

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pros and cons

Intro APR for purchases and balance transfers.Up to 3× points.

No penalty APR.

No annual fee.

Foreign transaction fees.

Balance transfer limits.

Cost

Annual Fee

$0

Purchase APR

16.24%-26.24% (V)

Foreign Transaction Fee

3%

Cash Back

None

Credit Score

670-850

Rotating Bonus Categories

A typical rotating bonus category earns 5%, while other cards are limited to earning 2% or 3% cash back, says Daniel Gillaspia, travel and rewards expert and founder of the travel rewards blog UponArriving. Category choices are gas, online shopping, dining, travel, drugstores, or home improvement/furnishings.

Food (Restaurants and Groceries)

The Bank of America® Cash Rewards Credit Card (Review) is one of the most flexible cash back cards around, with a 3% bonus category you can change every month. Dining is one of your choices, along with quite a few other useful options, and you’ll always get grocery stores for one of your smaller categories.

No Annual Fee Credit Cards For Bad Credit

Secured cards are designed for people with bad, limited, or no credit, so they usually come with pretty unfavorable terms. But the Discover it Secured is different, and even provides a decent rewards program. Not only that, your cash back is doubled for the first year! That’s even better than some reward credit cards.

No Annual Fee Credit Cards For Travel Rewards

No-annual-fee travel credit cards offer rewards for no yearly cost of card ownership. This can be appealing to frugal or infrequent travelers. Keep in mind, however, that these cards lack the richer rewards and perks of cards that do charge annual fees. For some travelers, paying an annual fee is worth it thanks to those incentives, which can include things like travel credits, bonus rewards, airport lounge access, free checked bags, priority boarding, hotel status and more.

Signup Bonus Credit Card

The signup bonus — one of the most valuable and coveted credit card features, with the potential to put a huge dent in your spending or help you score free flights and hotel stays. Many rewards cards come with signup bonuses, also known as introductory bonuses or welcome bonuses. These bonus offers can provide a surprising amount of value, with returns on spending ranging from around 20% on average to more than 50% in some cases.

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Related Credit Card/Article

If you’re looking for some extra time to pay off large purchases, the Citi Diamond Preferred Card could be your best bet. You won’t earn any rewards, but you’ll get one of the longest 0% introductory APRs on the market as well as some useful benefits like a concierge service and shopping protections.
Citi® Diamond Preferred® Card
The Citi® Double Cash Card is a no-annual-fee favorite. With a flat cashback rate on all purchases and a bonus amount added as you pay them off, you’ll find simple and strong rewards. Citibank occasionally offers an intro APR on balance transfers. When it does, you’ll typically find an impressive promotion.
Citi® Double Cash Card