Best Balance Transfer Credit Card for Long-Term Use

Citi Simplicity® Card

Citi Simplicity® Card

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On Card Issuer’s Secure Website
  • Generous with fees
  • A long 0% introductory APR promotion
  • You can set your own due date
Card attributes
  • Variable APR
    15.49% - 25.49%
  • Cash Advance APR
    15.49% to 25.49%
  • Rewards Rate
  • Annual Fee
  • Intro APR
    0% on purchases and balance transfers for 18 months
  • Bonus Offers
Featured in
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Our Detailed Review

  • No late fees or penalty APR
  • No annual fee
  • A 0% introductory APR on purchases and balance transfers for 18 months
  • No rewards program
  • High balance transfer fee

Application Process: Apply online and get a response within 60 seconds.

Bonus Offers: None.

Rewards: None.

APR: 0% on purchases and balance transfers for 18 months. Then 15.49% - 25.49% variable.

Annual Fee: None.


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