Citi Simplicity
21 months on balance transfers, no late fees
4.5
Editor rating · out of 5
Best for: Debt consolidation
Best pure debt-payoff card. The 'no late fees' policy is a genuine safety net if you slip up.
Pros and cons
Pros
- +21 months on transfers
- +No late fees ever
- +No penalty APR
Cons
- −Balance transfer fee 5% or $5
- −No rewards
- −Must transfer within 4 months
Key details
Annual fee
$0
Transfer APR
0% for 21 months
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