There isn't a welcome bonus or a rewards program. This card also offers 0% intro APR for 12 months on purchases from date of account opening (then 19.24% - 29.99% variable APR) and never charges late fees (though we always recommend you pay your balance on time and in full). While you have more time to complete a transfer, the intro APR period starts at account opening - so try to make the transfer as soon as possible to get the most benefit of the interest-free period. New cardholders have four months to complete their balance transfer (longer than the typical 60 to 90 days). This can be worthwhile if you're paying high interest charges. After that, your fee will be 5% of each transfer (minimum $5). This card has no annual fee and come with an intro balance transfer fee: either 3% or $5, whichever is greater for transfers completed within the first 4 months of account opening. This is nearly two years to pay off debt, which can be helpful if you have a large balance or if your cash flow doesn't allow you to pay off debt within the 6-, 12-, 15- or 18-month time periods of other balance transfer cards. Balance transfers must be completed within four months of account opening. Who's this for? The Citi Simplicity® Card offers the longest balance transfer intro periods at 0% intro APR for 21 months on balance transfers from date of first transfer (after, 19.24% - 29.99% variable APR). Investing +More All Investing Best IRA Accounts Best Roth IRA Accounts Best Investing Apps Best Free Stock Trading Platforms Best Robo-Advisors Index Funds Mutual Funds ETFs Bonds Help for Low Credit Scores +More All Help for Low Credit Scores Best Credit Cards for Bad Credit Best Personal Loans for Bad Credit Best Debt Consolidation Loans for Bad Credit Personal Loans if You Don't Have Credit Best Credit Cards for Building Credit Personal Loans for 580 Credit Score Lower Personal Loans for 670 Credit Score or Lower Best Mortgages for Bad Credit Best Hardship Loans How to Boost Your Credit Score Taxes +More All Taxes Best Tax Software Best Tax Software for Small Businesses Tax Refunds Small Business +More All Small Business Best Small Business Savings Accounts Best Small Business Checking Accounts Best Credit Cards for Small Business Best Small Business Loans Best Tax Software for Small Business Personal Finance +More All Personal Finance Best Budgeting Apps Best Expense Tracker Apps Best Money Transfer Apps Best Resale Apps and Sites Buy Now Pay Later (BNPL) Apps Best Debt Relief Best Mortgages for Average Credit Score.Best Loans to Refinance Credit Card Debt.
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