Review: Citi Simplicity Credit Card

If you want flexibility — whether it’s paying down debt, managing new expenses, or both — this card gives you a set period of time to do so interest-free.

With 18 months of 0% intro APR on balance transfers and purchases, you can choose how to use it based on what you need most right now.

You don’t even have to pay an annual fee to have the card, and applying only takes a few minutes from your phone or computer.

But don’t wait too long — we often see the initial 0% APR period cut without notice, so it’s best to act while this period is still available.