Citi Simplicity® from Citibank
0% Intro APR on Purchases & Balance Transfers.
The Citi Simplicity® Mastercard is a no-frills credit card designed for those seeking simplicity and affordability. With no annual fee, rewards system, or ongoing perks, it offers a straightforward and budget-friendly option. However, it does provide a 0% introductory APR on purchases for the first 12 months, making it a good choice for short-term financing.
The card also offers a 0% introductory APR on balance transfers for the first 21 months, subject to a 3.00% transfer fee. However, there are no ongoing rewards or perks, and the regular APR for purchases and balance transfers can be relatively high (19.24% - 29.99%). Overall, the Citi Simplicity® is suitable for individuals who prioritize low fees, basic financing options, and a lack of ongoing expenses.
