Citi Simplicity

An extremely basic credit card with no annual fee and a 0% intro APR on purchases and balance purchases, but also no rewards.

Credit Score Required:

Average (670-739)

Issuer:

Citi

Network:

Mastercard

Your total savings: $0 over the next 5 years

Your total savings: $0 over the next 5 years

Credit Score Required:

Average (670-739)

Issuer:

Citi

Network:

Mastercard

Reward Highlights

Other Rewards & Perks

Identity theft resolution services: Access to identity theft services, if you feel you're a victim of identity theft. Assistance with identifying compromised accounts, filing police reports, and taking steps to get your good name and good credit back.
Fraud protection: Your card transactions will be monitored for possible signs of fraudulent activity. (Depending on the credit card and issuer, this may also include a $0 liability guarantee for fraudulent transactions.)
Account alerts: Stay on top of your balances and due dates by setting customer email or text alerts.

Summary of Rates & Fees

No annual fee.
APR on purchases: 14.74-24.74%. (0% for the first 18 months.)
APR on balance transfers: 14.74-24.74%. (0% for the first 18 months on balance transfers that are completed within the first 4 months.)
Foreign transaction fee: 3%.

Annual Fee: $0

Interest Rate (“Purchase APR”): 14.74-24.74% (0% for the first 18 months)

BT Fee: 3% of BT

BT APR: 14.74-24.74% (0% for the first 18 months)

Balance Transfer Notes:

To qualify for the 0% intro balance transfer APR, the balance transfer(s) need to be completed within the first 4 months from the date of account opening.