Citi Simplicity

Citi · Credit card · Balance transfer & 0% APR

4.5 Debt Sunset rating vs. other balance transfer & 0% apr cards

Built for paying off debt: 21 months at 0% on balance transfers, and no late fees or penalty APR, ever.

Rates, fees and offers

Regular APR: 17.49%–28.24% variable
Annual fee: $0
Promo offers: 0% intro APR for 21 months on balance transfers and 12 months on purchases (transfers must be completed within 4 months).
Balance transfer fee: 3% of each transfer ($5 min.) in the first 4 months, then 5% ($5 min.)
Rewards: No rewards. No late fees and no penalty APR, ever.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

Transfers must be completed within 4 months. Purchases get only 12 months at 0%, so avoid adding new spending you can't clear.

Paying and contacting Citi

Pay online: online.citi.com
Customer service: 1-866-696-5673 · 24/7 (lost/stolen line)
Lost, stolen or fraud: 1-800-950-5114
Pay by mail: CITI CARDS
P.O. Box 70166
Philadelphia, PA 19176-0166

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
Billing disputes: Citi Cards
P.O. Box 790046
St. Louis, MO 63179-0046

See all Citi cards → · Search all cards

Debt Sunset is not affiliated with or paid by any card issuer, and this page is not financial advice. Card names and art belong to their owners. See our Financial Disclaimer.