The Citi Simplicity® Card is designed for those who prioritize straightforwardness and debt repayment over rewards. It has no annual fee and offers a generous introductory APR period, making it ideal for balance transfers. Specifically, the card provides a 0% intro APR for 21 months on balance transfers and 12 months on purchases, after which the APR ranges from 19.24% to 29.99%. A balance transfer fee applies, but it’s relatively low at the start. This card also stands out for having no late fees and no penalty rates, making it forgiving for those who may miss a payment. However, it lacks a rewards program and a welcome bonus, which could be a drawback for those looking to earn points or cash back. Additionally, it has foreign transaction fees, making it less suitable for international use. Overall, the Citi Simplicity® Card is geared towards those focused on paying down debt without the distractions of rewards programs.
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