The Citi Simplicity^® Card, issued by our partner Citi, is a great option if you have a large amount of high interest debt that you need to pay down, need time to finance a large purchase, or if you have a tendency to miss your payment due date.

It has a $0 annual fee, but if you use the card for a balance transfer, you’ll incur a balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Along with offering a long introductory period for balance transfers and a decent period for purchases, the card provides helpful tools, such as automatic account alerts and the ability to choose your payment due date. However, if you do happen to pay your bill late, you will not be hit with late fees or penalty APRs.

• Generous intro 0% APR offers

  The Citi Simplicity® Card has two intro APR offers for cardholders:

  • 0% for 12 months on purchases, after which an APR of 16.99% - 26.99% (variable) will apply.
  • 0% for 21 months on balance transfers, after which an APR of 16.99% - 26.99% (variable) will apply.

  These deals can save you quite a bit on interest charges if you need to pay off high-interest debt from another card or if you need to make an expensive purchase and pay if off over time.

• $0 annual fee

  In addition to its intro offers, the Citi Simplicity® Card has a $0 annual fee, saving you even more money if you need the card for its intro APRs.

• No late fees or penalty APR

  If you have a tendency to miss payments, know that the Citi Simplicity® Card will not assess late fees or a penalty APR. Typically, if you pay late, a card issuer will hike up your APR as well as charge you a late fee up to $41 each time.

• No rewards or sign-up bonus

  The Citi Simplicity® Card does not come with either a rewards program or a sign up. This is a card you’ll want primarily for its intro APR offers rather than for any type of rewards program or bonus.

• Potentially high APR

  The Citi Simplicity® Card comes with an APR range of 16.99% - 26.99% (variable). If you are approved at the high end of the APR, be very careful about revolving a balance on this card once you’ve taken advantage of the intro APR offers as the interest charges could make it very expensive to carry any remaining balance.

• Balance transfer fee

  In exchange for offering a long intro APR balance transfer offer, the Citi Simplicity® Card does charge a balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. That fee will be added to the amount you transfer to the Citi Simplicity® Card . For example, if you transfer a $2,000 balance, a $60 fee will be added to what you owe.

  There are credit cards available that don’t charge balance transfer fees; however, those cards typically offer shorter introductory periods on balance transfers than the Citi Simplicity® Card .

Compare it to the U.S. Bank Visa^® Platinum Card

How Does LendingTree Get Paid? How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures

U.S. Bank Visa^® Platinum Card

(0) Reviews

Apply Now

on U.S. Bank's secure site

Rates & Fees

U.S. Bank Visa^® Platinum Card

(0) Reviews

Intro Purchase APR 0% intro APR for 20 billing cycles on Purchases

Regular Purchase APR 16.74% - 26.74% (Variable)

Annual Fee $0

Rewards Rate None

Highlights

• Limited Time Offer!
• 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 16.74% - 26.74%.
• Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
• Choose a payment due date that fits your schedule
• No Annual Fee
• Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
• Terms and conditions apply.

Typical Credit Needed

680 850

Show Detailsfor Citi Double Cash Card

The U.S. Bank Visa^® Platinum Card has lengthy intro APR offers on both purchases and balance transfers:

• Intro purchase APR: 0% intro APR for 20 billing cycles on Purchases. After that, a 16.74% - 26.74% (variable) APR applies.
• Intro balance transfer APR: 0% intro APR for 20 billing cycles on Balance Transfers. After that, a 16.74% - 26.74% (variable) applies.
• Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater

Plus, the U.S. Bank Visa^® Platinum Card has additional benefits, including a $0 annual fee and cell phone coverage for damage or theft up to $600 per claim, with a $25 deductible, for up to two claims (maximum $1,200) per 12-month period, when you pay your cellphone bill every month with your card.

For people looking to escape from high-interest debt or who need time to pay off a large purchase, it’s tough to beat the Citi Simplicity® Card . The card offers a lengthy intro APR period on balance transfers and purchases, which can save you a significant amount of money. Additionally, the card offers a $0 annual fee, no late fees and no penalty APR.

Another option worth considering for long 0% intro APRs on balance transfers and purchases is the U.S. Bank Visa^® Platinum Card. It also has a $0 annual fee, as well as offers cell phone insurance when you pay your bill with the card.

However, both cards do charge a balance transfer fee. Know that there are cards that don’t charge that fee, but in return, you’ll most likely get a shorter no-interest time period. Plus, neither of the cards mentioned offer rewards. That said, it’s best to prioritize paying off your full balance before the intro purchase or balance transfer offer ends over earning rewards on new purchases.