Review: Citi Simplicity Credit Card | The Motley Fool

Long 0% introductory APR for balance transfers: The Citi Simplicity Credit Card offers one of the longest introductory periods for balance transfers available. It provides a 0% introductory APR on transferred balances for a full 21 months, giving you nearly two years to repay your balance without accruing interest.

0% introductory APR for purchases: In addition to the balance transfer offer, this card also offers a 0% intro APR for new purchases for the first 12 months. This feature can be helpful if you plan on using the card for any upcoming purchases.

Flexible payment due date: The card allows you to choose your payment due date from a range of options. This flexibility can be beneficial in aligning your payments with your income schedule. You can set up automatic payments to coincide with your paycheck.

No late fees: One standout feature of this card is that it does not charge late fees. While it is still important to pay your bill on time to maintain a good credit standing, the absence of late fees provides some peace of mind in case you accidentally miss a payment.

No penalty APR: Unlike many other credit cards, the Citi Simplicity® Card does not have a penalty APR. This means that even if you miss a payment, your interest rate will not automatically increase due to this late payment.

No annual fee: The Citi Simplicity Credit Card does not have an annual fee. This is particularly advantageous if your main goal is to pay off existing debt.