And while the Citi Simplicity Card has no rewards program, you can benefit from no late fees and no penalty APR (though you should always pay on time to avoid damage to your credit score). But since the intro 0% APR period starts at account opening, you should aim to complete the transfer as soon as possible.īeyond balance transfers, this card also offers a 0% APR for the first 12 months on purchases (after, 16.99% - 27.74% variable APR). This can be worthwhile if you're paying high interest charges.Ĭardholders have four months to complete their balance transfer, which is longer than the typical 60 to 90 days. Like the two prior cards, the Simplicity Card has no annual fee, but it does come with an introductory balance transfer fee: either 3% ($5 minimum) for transfers completed within the first 4 months of account opening, then up to 5% ($5 minimum). With nearly two years, you can benefit from more time to pay off transfers compared to cards that have shorter 6-, 12- and 15-month time periods. Who's this for? The Citi Simplicity® Card offers one of the longest balance transfer periods at 0% for the first 21 months from date of first transfer (after, 16.99% - 27.74% variable APR), beating out many other balance transfer cards. After that, your fee will be 5% of each transfer (minimum $5). Take note, there's an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. The Rewards+ Card also offers no interest for the first 15 months from account opening on purchases and no interest for 15 months on balance transfers from date of first transfer (after, 16.49% - 26.49% variable APR). While you can earn a higher rewards rate on purchases with the Double Cash Card, you won't receive the "round up" perk or a 10% bonus on point redemptions. For instance, if you redeem 50,000 points in a year, you get 5,000 of those points back, which is enough for a $50 gift card.Ĭardholders earn 2X ThankYou® points at supermarkets and gas stations for the first $6,000 per year and then 1X points thereafter. The Citi Rewards+® Card also provides another great way to maximize rewards by giving you 10% of your points back for the first 100,000 ThankYou® Points you redeem per year. That means a $1 bag of chips earns 10 points, compared to only earning one point without this benefit. This card benefits people who frequently make small purchases with its "round up" feature that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Who's this for? Many of the best no-annual-fee cards offer unique rewards programs and the Citi Rewards+® Card is a great example.
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