Who it's for
People who want the safety net of no late fees and no penalty rate while paying down a balance
Citi Simplicity Card
No late fees ever, no penalty rate, and 0% intro APR on purchases and balance transfers — a truly simple low-interest card.
Last checked on September 1, 2026. We may earn a commission when you click through.
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✓ No late fees ever
✓ No penalty APR — your rate will not spike if you miss a payment
✓ 0% intro APR on purchases and balance transfers
Citi Simplicity Card
Mastercard
Our Verdict Recommended
The Citi Simplicity lives up to its name. No late fees, no penalty APR, and no annual fee make it nearly impossible to get hit with surprise charges. The 0% intro period is shorter than some competitors, but the no-penalty features provide genuine peace of mind.
What it really costs
| Annual fee | No annual fee |
|---|---|
| APR Range | 18.24% – 28.99% |
| Minimum credit score | 670 |
You'll be redirected to citi.com
The good and the not so good
- No late fees ever
- No penalty APR — your rate will not spike if you miss a payment
- 0% intro APR on purchases and balance transfers
- No annual fee
- No rewards program
- Intro APR period shorter than top competitors
- 3% foreign transaction fee
You'll be redirected to citi.com
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