The Citi Simplicity® Card can help you pay down debt or finance a big purchase, although it may not the best option for either. Its standout feature is a drawn-out 0 % presentation APR period for balance transfers. That could make it a good choice for tackling existing debt, but this card earns no rewards. Plus, the tip you ’ ll yield to transfer a proportion onto the circuit board will eat into the money you ’ ll save on interest. still, the Citi Simplicity® Card may be a fit for the chronically forgetful. If you miss a payment, there is no late fee or penalty APR. ( NerdWallet recommends constantly paying on time, however, as late payments can still affect your credit scores. )

Citi Simplicity® Card

: Benefits

annual tip : $ 0. april : 0 % Intro APR for 21 months on Balance Transfers and 12 months on Purchases, and then the ongoing APR of 15.49 % -25.49 % varying APR. Sign-up bonus : none. Rewards : none. Balance transfer fee : 5 % of the amount of each transmit, minimal $ 5. extraneous transaction fee : 3 % per transaction. other perks :

  • No late fees .
  • No penalty APR for late payments .
  • The option to choose your payment due date .
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Why you might want the

Citi Simplicity® Card

A long 0 % presentation APR time period for balance transfers : The Citi Simplicity® Card offers a 0 % Intro APR for 21 months on Balance Transfers and 12 months on Purchases, and then the ongoing APR of 15.49 % -25.49 % variable APR. While you might find a batting order with a slightly longer 0 % intro time period elsewhere, this is hush a solid volunteer. No penalties for former payments : With this card, you ‘ll never be charged a deep fee, and your interest wo n’t go up because of recently payments. Yes, you should constantly strive to pay your bills on time every month, and yes, paying former is a severe habit : Most accounts are n’t a forgive as this card, and your credit scores can calm suffer if you pay excessively former. But sometimes you may forget or get overwhelmed ; if you do, this card can save your bacon. You can choose your due date : If money is tight, being able to pick precisely when your payment is due can help you avoid overdrafts.

Citi Simplicity® Card

: Drawbacks

No rewards or sign-up bonus : This card ‘s value lies in its 0 % introductory APR period and its forgive nature. If you want rewards, look elsewhere. Limited long-run value : once the 0 % intro APR period ends, there is n’t much incentive to keep using this card. The ongoing APR scope is about average and, again, the circuit board offers no rewards. Fee takes a bite out of savings : While the menu gives a drawn-out 0 % basic APR period on proportion transfers, that profit comes with a price. You ’ ll give a fee equal to 5 % of the sum transferred, with a minimal of $ 5. That means if you transfer a $ 5,000 balance, you ’ ll pay a $ 250 tip. This is a higher tip than other cards in its class. If you transferred that like counterweight to a Citi® Double Cash Card – 18 calendar month BT offer, you ’ five hundred pay 3 % for a entire of $ 150 in fees.

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Citi Simplicity® Card

: Alternatives

For rewards:

Discover it® Balance Transfer

The Discover it® Balance Transfer has a shorter presentation APR : 0 % presentation APR on Purchases for 6 months and 0 % intro APR on Balance Transfers for 18 months, and then the ongoing APR of 12.24 % -23.24 % variable APR. But in switch over, this card has ongoing value long after the intro APR ends. You ‘ll earn 5 % cash back on rotating categories on up to $ 1,500 in purchases each quarter ( requires activation ) and 1 % cash back on all other purchases.

For a low transfer fee and a lengthy 0% intro APR period:

Wells Fargo Reflect℠ Card

 

The Wells Fargo Reflect℠ Card charges a 3 % fee for transfers ( minimum $ 5 ). New cardholders get a drawn-out basic APR : 0 % presentation APR on Purchases for up to 21 months and 0 % presentation APR on Balance Transfers up to 21 months from account opening on qualifying symmetry transfers, and then the ongoing APR of 13.74 % -25.74 % variable APR And the annual fee is $ 0. It does n’t feature late-payment forgiveness, but if you ‘re the character who constantly pays on time, you wo n’t miss it. however, as with the Citi Simplicity® Card, you wo n’t earn rewards.

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Is the

Citi Simplicity® Card

right for you?

The Citi Simplicity® Card is palatable if you need a long time to pay off existing debt or if you sometimes struggle to remember your bill ‘s due date. It can save you money on interest and penalties. But as with most balance transfer cards, you ’ ll have to weigh the true cost to you, including the 5 % balance wheel remove tip. And if you ‘re looking for a card to help you finance a large expense upfront, you have enough of alike options, including some cards that besides offer rewards — and occasionally tied a sign-up bonus. Looking for early options ? NerdWallet can help you compare and determine the best credit batting order to get based on your needs .

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