Citi Simplicity® Card
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This device is too smallIf you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience. Citi Simplicity® Card One of the Longest 0% Intro APR Periods For Balance Transfers We’ve SeenThe Citi Simplicity® Card sets itself apart with an incredible offer of 21 months of 0% intro APR on qualifying balance transfers and no annual fee, making it a top pick for anyone looking for ample time to pay off credit card debt. Our expert's summary:
Simply put, if you’re looking to pay off debt by avoiding interest on balance transfers for the longest time possible, it’s hard to beat this card. What We Like About The Citi Simplicity® Card0% introductory APR for 21 months on balance transfers: One of the longest introductory periods on balance transfers we've come across, you'll get a 0% intro APR on the balance transferred for a full 21 months, which means you’ll have almost two years to pay off your balance. Suggested credit scoreWith the quality benefits the card offers, it's primarily aimed at consumers who have a credit score of 670 or better. There are reports of people with scores in the mid 600s being approved for this card. For tips on increasing your credit score above 670, click here. TIP Increase your credit score in as little as one month?
Paying down credit balances is the fastest way to improve your FICO® Score. That's because 30% of your credit score is based on how much of your available credit you're using. Your credit utilization is reported monthly, which means paying off debt could improve your credit score in one month! Final takeIf your priority is a long 0% intro APR for a balance transfer, the Citi Simplicity® Card clearly outshines the competition. The 12 months of 0% intro APR on purchases is also helpful if you have an unexpected large expense and need to spread the cost out over time. Our Credit Cards Experts We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
Citigroup is an advertising partner of The Ascent, a Motley Fool company. The Motley Fool has positions in and recommends Target. The Motley Fool has a disclosure policy.
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