MastercardCiti Simplicity Card
21 months of 0% on balance transfers with no late fees, ever.
Welcome Bonus
None
No welcome offer, 0% intro APR card
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦0% intro APR on balance transfers for 21 months, 3% intro transfer fee in the first 4 months
- ✦0% intro APR on purchases for 12 months
- ✦No late fees and no penalty APR, ever
- ✦No annual fee
Why it earns its spot
- +One of the longest 0% balance transfer windows available
- +A late payment cannot blow up the intro APR
Where it costs you
- −Earns zero rewards
- −3% foreign transaction fee
- −Nothing to keep the card useful after the intro period
The Compound Verdict
A debt tool, not a rewards card. Move a balance here, divide it by 21, and autopay that amount every month. The no-late-fee policy is real insurance for anyone who has ever missed a due date.
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