The Citi Simplicity Card has an introductory purchase APR of 0% for 12 months after account opening. Once this intro period expires, any remaining balance on the Citi Simplicity Card will be subject to the regular APR of 15.49% - 25.49% (V).
Since the average 0% intro APR for new purchases lasts 12 months, the Citi Simplicity Card offer is above average. The Citi Simplicity Card also has a 0% intro APR for balance transfers, lasting 21 months. It is accompanied by a balance transfer fee of 5% (min $5).
It’s important to remember that even though you don’t pay interest during 0% APR periods, you still must make timely minimum payments each month. You should also consider paying more than the minimum, since you’ll want to pay off the credit card balance before the regular APR kicks in. For help planning your payments, try out WalletHub’s Credit Card Calculator.
The Citi Simplicity 0% APR current offer is the following:
0% intro APR on balance transfers for 21 months from the date of the first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.49% - 25.49% (V), based on your creditworthiness.
0% intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.49% - 25.49% (V), based on your creditworthiness.
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