0% Interest

Citi Simplicity

Every rate below is the issuer’s own, verified August 31, 2026.

18Months at 0% on transfers

3%Transfer fee

120 daysTo transfer, from opening

Terms apply. See rates & fees on Citi. Rankings are pure math, never sold.

The rates

How it earns

Every rate here is the issuer’s published number. Points are valued conservatively, in cash-equivalent dollars.

Earn rates Citi Simplicity

Everything else0x

0% on purchases · 18 monthsintro

0% on balance transfers · 18 months, 3% feeintro

Deadline to transfer · within 120 days of opening the account120 days

Annual fee$0

Know before you apply

Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; issuer does not publish a score).
Citi shows two versions of this offerOur numbers are Citi's 18-month version, behind the View on Citi button. Other Citi pages serve this same card as 12 months on purchases and 21 on transfers, at a higher ongoing rate — the longer transfer window can matter if your balance needs the time. Before you apply, check that the pricing details on the page you landed on match these numbers.
The issuer’s terms governRates, fees and bonus conditions are set by Citi and change without notice. Confirm the current offer before you apply.
Where these numbers came fromCollected by hand from Citi’s own published terms, last verified August 31, 2026.

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