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It's official: now avoid credit card interest into 2024
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Pay No Interest Until Nearly 2028 — One of the Longest 0% Intro APR Periods Available Today
March 1, 2026
Motley Fool Money is 100% free thanks to commissions we receive from our partners including for the offers on this page, but this never influences our product ratings. Citi is an advertising partner of Motley Fool
Money.
If you're carrying credit card debt, you know how frustrating it is watching your payments get eaten up by interest instead of reducing your balance. It's hard to get out of that hole.
Here’s the reality: the average person with $5,000 in debt often pays over $1,200 in interest every year. That's money that could be paying down your actual debt instead.
The Citi Simplicity® Card can give you a way out.
Move your debt to the card and you’ll pay 0% intro APR for 21 months on Balance Transfers — nearly 2 full years interest-free where every dollar goes directly toward eliminating your debt, not to the bank.
[Citi Simplicity® Card]
Apply Now for Citi Simplicity® Card
Citi's
Secure Website
Citi Simplicity® Card
Great for: Balance Transfers
Apply Now for Citi Simplicity® Card
Citi's
Secure Website
[Logo for Citi Simplicity® Card]
4.90 out of 5
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
4.90 out of 5
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Apply Now for Citi Simplicity® Card
Citi's
Secure Website
Best for Balance Transfers
0% intro APR for 21 months on Balance Transfers is one of the longest interest-free periods available today.
Intro APR
Purchases: 0%, 12 months on Purchases
Balance Transfers: 0%, 21 months on Balance Transfers
Regular APR
17.49% - 28.24% (Variable)
Rewards
N/A
Annual Fee
N/A
Welcome Offer
N/A
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Stay protected with Citi® Quick Lock
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Here's What Makes This Card Different
- 0% intro APR for 21 months on Balance Transfers — One of the longest 0% periods available, letting you pause interest until nearly 2028 while you pay down your debt.
- 0% intro APR for 12 months on Purchases — Avoid interest for a full year on new spending too.
- No late fees, ever — Life happens, and this card won't punish you with $40 penalty fees.
- No penalty APR — One missed payment won't trigger a rate spike.
- $0 annual fee — Keep more money in your pocket.
Applicants with a good to excellent credit score (670+) typically have the best odds of approval.
Plus: This card charges just a 3% balance transfer fee (minimum $5) if completed within the first 4 months of account opening. After that, the fee is 5% of each transfer (minimum $5).
That 3% rate beats the 5% most similar cards charge — on a $5,000 transfer, that's $100 in savings due to the much lower fee.
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How Much You Could Actually Save: $2,428+
Let’s say you have $5,000 in credit card debt at 24% APR. Here’s what that could really cost:
- Without this card: $2,578 in interest over 21 months
- With this card: $0 interest — just a $150 balance transfer fee
- Total saved: $2,428 — real money back in your pocket instead of going to the bank
And if you have more than $5,000 in debt, your savings could be even higher.
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Is This Card Right for You?
If you’re serious about paying off credit card debt, two things matter most: locking in as much interest-free time as possible — and acting quickly before more interest piles up.
With 0% intro APR for 21 months on Balance Transfers, The Citi Simplicity® Card gives you nearly two years to make real progress on your debt, instead of watching interest eat up your payments each month.
You won’t even pay an annual fee to hold the card, and applying takes just a few minutes from your phone or computer.
But don’t wait too long — we often see 0% intro APR periods get cut without notice, so it’s smart to act while this one’s still available.
Click To Apply for the Citi Simplicity® Card Now
Citi's
Secure Website
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