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Citi Simplicity® Card
4.5

Why We Like It

Long introductory APR period on balance transfers

Benefits

  • 0% intro APR on balance transfers for 21 months, then 19.24% - 29.99% (Variable) APR
  • 0% intro APR on purchases for 12 months, then 19.24% - 29.99% (Variable) APR
  • FICO Credit Score monitoring
  • No late fee, penalty rate, or annual fees

Drawbacks

  • No signup bonus

Annual Fee

$0