Simplicity by Citi

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intro purchase APR 0% for 21 months	regular APR13.99 - 23.99% (V)
intro BT APR 0% for 21 months	3% BT fee $5 min

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Editors Review

Good new balance transfer and low APR card from CITI

Pros

• No annual fee
• Into 0% APR on balance transfer and purchases
• No late payment fee
• No penalty rate for late payments
• Apple Pay enabled – easy payments with the latest Apple technology

Cons

• No rewards, no sign-up bonus

Verdict

One of the best low APR and balance transfer cards – ideal for people who want to get out of debt. There is no rewards program or sign up bonus on this card, but that is normal for no annual fee low APR card – the main benefits of the card is the ability to repay your existing balance in a intro period and to enjoy low 13.99% - 23.99% APR after.