Citi Simplicity® Card

The Citi Simplicity® Card is perfect for those who want a straightforward credit card and are carrying high-interest balances on other cards. This MasterCard comes with a 0% APR introductory period of well over a year on purchases and balance transfers. This allows you to transfer over high-interest balances from other credit cards and begin paying down that debt with no interest. The Citi Simplicity® Card has no annual fee, late fees, or penalty fees. If you ever have any questions or concerns, you can always have direct access to a representative. Should any authorized purchases be made on your account, you will have zero liability and not owe a penny. The card is easy to customize; you get to choose whether you pay your bill in the beginning, middle, or end of the month, and you can pay either the full balance or the minimum monthly payment. Your Citi credit card comes with numerous free benefits, such as extended warranty and purchase protection on the expenses you make with your card. Plus, get a refund if the price drops on purchases made with the card. Travel and emergency assistance are also free, whether you are here or abroad.