Both cards offer long interest-free periods for balance transfers, helping you pay down debt while limiting interest charges. Each card also comes with unique fees and benefits.
Citi Simplicity Card provides no late fees or penalty APR charges – making it an invaluable ally if financial troubles arise or payments slip by unintentionally. Furthermore, it features a 21-month 0% APR period for balance transfers.
No annual fee
Citi Simplicity is an ideal card for those seeking to transfer balances or pay off debt with long-term 0% APR terms. There’s no annual fee attached, making this card one of the longest 0% balance transfer APR periods on the market; furthermore, no late fees are assessed, an important feature as missed payments can damage your credit score.
Simplicity Credit Card may not be suitable for everyone; it doesn’t come equipped with many additional perks, such as rewards programs or welcome bonuses, and its 3% foreign transaction fee isn’t ideal for frequent travelers abroad. While other cards now waive this charge altogether, Simplicity still charges it on purchases made outside the U.S.
Furthermore, this card does not offer any additional perks that would make it attractive to people with good or excellent credit; its basic features only include being able to choose your payment due date for either beginning, middle, or end of month payments. Therefore it is strongly advised that individuals should possess either good or excellent credit before applying for such cards.
Citi Simplicity Card is one of the best cards available to those seeking to pay off debt without incurring interest fees or late charges. Its 21-month 0% APR on balance transfers and purchases offers one of the longest intro APR periods available; additionally, no annual fee or penalty APR fees make this an excellent solution for anyone struggling with debt.
Although not boasting many rewards, the Citi Simplicity Card can be an ideal card for those struggling with debt who wish to avoid high interest rates. Offering 0% APR balance transfers and purchases for 21 months with no annual or late fees attached (though it does charge 3% foreign transaction fees compared to most cards).
Citi recommends having a credit score in the “good” to “excellent” range for this card, though approval could still occur even with lower scores; therefore, it’s wise to check yours prior to applying for this product.
No late fees
Citi Simplicity Card stands out from other credit cards by not charging late fees; an excellent feature for cardholders who struggle to stay current with monthly payments or encounter unexpected expenses.
Timing your payments more efficiently to save on interest charges is one of the key benefits of the Citi Simplicity card’s long 0% APR balance transfer period – up to two years of saving money on interest charges! Taking this route allows you to pay down debt more efficiently.
But Citi Simplicity does come with other fees that might not suit some cardholders’ needs. For instance, it charges a 3% foreign transaction fee which could pose issues for cardholders who travel overseas or purchase goods online. Furthermore, the card does not earn rewards making it less appealing for those seeking cash back or points benefits.
Citi Simplicity stands out from other Citi cards with its lack of annual and late fees as well as its unique features that set it apart. Notably, its nonexistent penalty APR makes this card especially valuable if an accidental late payment occurs or overextension occurs as most cards impose steep penalty APR rates to penalise such acts.
Citi Simplicity and Citi Diamond Preferred both offer 0% APR balance transfers for 21 months – an attractive offer that can help reduce debt levels quickly. But the Diamond Preferred stands out with additional features, including Citi Price Rewind, worldwide car rental insurance coverage and extended warranty coverage. Furthermore, its higher average FICO score may improve your chances of approval; just remember to use credit responsibly to minimize debt levels! To get started choosing the card that’s right for you click one of the links above and pick your card accordingly.
No penalty APR
Though neither the Citi Simplicity or Citi Diamond Preferred cards provide rewards, both feature long 0% APR periods on balance transfers and purchases – ideal if you tend to make credit card mistakes! Plus neither card charges late fees or penalty APR; although if payments are missed interest will still accrue; therefore it’s crucial that payments are made promptly to avoid interest charges from either card.
Both cards offer additional perks, including Citi Price Rewind, worldwide car rental insurance coverage and extended warranty protection. Furthermore, both cards allow you to select your payment due date – something which may help manage debt more effectively – as well as integration with Google Wallet which enables payments with just your phone.
The Citi Diamond Preferred card provides several perks not found with its counterpart, the Simplicity card, such as Citi Entertainment which enables access to tickets before they go on sale to the general public and has a lower annual fee – making it more suitable for helping reduce debt.
Citi Simplicity and Citi Diamond Preferred credit cards both offer long-term 0% APR deals that are among the longest available on the market, lasting 21 months for transfers made within four months of opening, before increasing to 5% thereafter. Both cards also charge balance transfer fees starting at 3% when made within four months, followed by an ongoing charge of 5% thereafter.
The Citi Diamond Preferred card features an expensive balance transfer fee, so it may only be suitable if you require an extended interest-free period to pay down debt. There are other cards such as Chase Slate Card and American Express EveryDay Card with more generous balance transfer fees that might better suit you; to find your ideal card visit CNN Underscored’s comprehensive list of best credit cards.
21-month interest-free balance transfer period
Citi Simplicity and Citi Diamond Preferred credit cards both offer attractive introductory APR offers that can help reduce interest charges. Each card comes equipped with its own set of features to best meet your needs – choose the card that’s most suitable.
This card provides a 21 month 0% balance transfer offer – one of the longest in the market. However, its high balance transfer fee of 5% could offset these benefits – so if you intend on transferring a substantial amount of debt make sure to run some calculations and ensure that savings outweigh costs associated with balance transfer fees.
Citi Diamond Preferred and Simplicity cards both offer long-term, 0% APR promotional rates on purchases, which is ideal for those trying to reduce debt. Both cards also provide many other perks including worldwide car rental insurance and extended warranty coverage; no annual fee; free FICO scores; access to Citi Private Pass for presale tickets and VIP experiences at concerts and events, among others.
Citi Diamond Preferred stands out from other credit cards by not charging late fees or penalty APRs if payments are late, which may prove helpful if you tend to forget or often miss payments; it could help avoid costly charges altogether. Unfortunately, however, this card does not offer rewards programs or any extra perks; those looking for these may wish to consider other cards instead.
Though both cards offer similar perks and rates, the Citi Diamond Preferred is better suited to consolidate debt or make large purchases, offering longer 0% purchase APR periods and higher signup bonuses than the Citi Simplicity card. Furthermore, its lower APR rates for cash advances and foreign transactions as well as no returned payment fee make it ideal. However, for those seeking lower costs without rewards. The Citi Simplicity also features no late fee charges as well as more forgiving credit limits so may be better for lower costs over rewards.