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One of the Longest 0% Intro APR Periods For Balance Transfers We’ve Seen

by:  The Ascent Staff | May 20, 2024

The Ascent is 100% free thanks to commissions we receive from our partners including for the offers on this page, but this never influences our opinions. Citi is an advertising partner of The Ascent.

Sorry for the inconvenience. This credit card is currently being updated.

This content is not provided by the issuer. Any opinions expressed are those of The Ascent alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Please check out our Best Credit Cards list for other options.

The Citi Simplicity® Card sets itself apart with an incredible offer of 21 months of 0% intro APR on qualifying balance transfers and no annual fee, making it a top pick for anyone looking for ample time to pay off credit card debt.

Our expert’s summary:

  • 0% intro APR on balance transfers for 21 months. This means you’ll pay no interest until nearly 2026!
  • 0% intro APR on purchases for 12 months
  • Choose your payment due date
  • $0 annual fee

Simply put, if you’re looking to pay off debt by avoiding interest on balance transfers for the longest time possible, it’s hard to beat this card.

What We Like About The Citi Simplicity® Card

0% introductory APR for 21 months on balance transfers: One of the longest introductory periods on balance transfers we’ve come across, you’ll get a 0% intro APR on the balance transferred for a full 21 months, which means you’ll have almost two years to pay off your balance.

0% introductory APR for 12 months on purchases: You’ll also get a 0% intro APR on new purchases for the first 12 months. This is a helpful perk if you plan on buying anything with the card.

Choose your payment due date: A little flexibility can go a long way when it comes to managing your finances. The card lets you choose from any available payment date, whether it’s in the beginning, middle, or end of the month. That way, you can set up automatic payments that are aligned with your paycheck.

No late fees: One of the most unique perks is that there are no late fees, ever. While you should always pay your bill on time, because late payments can still affect your credit, it’s nice to know that you won’t be charged if you do slip up and miss a payment.

No penalty APR: If you miss some payments, most credit cards will increase your interest rate to their penalty APR. The Citi Simplicity® Card never charges a penalty rate, so your APR isn’t at risk of increasing due to late payments.

No annual fee: This card comes with no annual fee, which is an important feature if your goal is to pay off debt.

Suggested credit score

With the quality benefits the card offers, it’s primarily aimed at consumers who have a credit score of 670 or better. There are reports of people with scores in the mid 600s being approved for this card. For tips on increasing your credit score above 670, click here.


Paying down credit balances is the fastest way to improve your FICO® Score. That’s because 30% of your credit score is based on how much of your available credit you’re using. Your credit utilization is reported monthly, which means paying off debt could improve your credit score in one month!

Final take

If your priority is a long 0% intro APR for a balance transfer, the Citi Simplicity® Card clearly outshines the competition. The 12 months of 0% intro APR on purchases is also helpful if you have an unexpected large expense and need to spread the cost out over time.