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
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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

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Who it's for

People who want the safety net of no late fees and no penalty rate while paying down a balance

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

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