Citi Simplicity Card
By Alex Compton · Last verified
21 months of 0% on balance transfers with no late fees, ever.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 0 | No recorded spend | Terms reconfirmedNo welcome offer, 0% intro APR card | Archive record · no attached snapshot |
| 2021-01 | 0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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