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Citi Simplicity® Card: One of the Best 0% APR Cards

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

Image of Citi Simplicity® Card - No Late Fees Ever
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"The Citi Simplicity is one of the best balance transfer cards around. It has one of the longest 0% Introductory APR periods of any card."

Contents

  • How Does The Citi Simplicity® Card - No Late Fees Ever Compare?
  • Comparison Tool
  • The Citi Simplicity® Card - No Late Fees Ever can be an excellent tool for consumers who wish to get their credit card debt under control. This card offers 21 months of 0% introductory APR on purchases and balance transfers - one of the longest 0% periods we've seen on any card. In this review we will break down how the card works and how its features compare against those on some of its strongest competitors, including the Citi® Diamond Preferred® Card and the Chase Slate®.

    Good For… Bad For…
    • Anyone who won't be able to pay off their credit card debt for 21+ months
    • Long-term value. There's no rewards program, devaluing the card after 21 months
    • Individuals who, from time to time, forget to pay their bill on time
    • Transferring big balances, due to the 3% fee

    Review: The Citi Simplicity® Card - No Late Fees Ever Is A Great Option For Lowering Your Interest Payments

    The Citi Simplicity® Card - No Late Fees Ever is a great option if you have a balance on an existing card and are seeking to pay it down quicker, and avoid interest. The 0% interest rate on purchases and balance transfers lasts 21 months giving you ample opportunity to put a dent in your debt. The average credit card APR hovers at around 18%. If you have $10,000 in credit card debt and are making $500 monthly payments on an average card, moving the debt over to the Citi Simplicity® Card - No Late Fees Ever can save you as much as $1,769 in interest. On top of this, transferring the balance over will also cause you to be rid of the debt 3 months sooner, than had you stuck with the 18% card.

    There are never any late fees nor penalty APR on the Citi Simplicity® Card - No Late Fees Ever. Most other cards charge as much as $35 dollars for late payments and can raise your APR as high as 29.99%. Keep in mind that other consequences for missing payments can still apply, such as damage to your credit score. We implore consumers to only treat this benefit as a safety net, in case they ever happen to forget a bill. Additionally, while there is no penalty APR, the standard interest rate on the Citi Simplicity® Card - No Late Fees Ever goes as high as 24.24%%, and is based on your credit score. Therefore, if you are late on payments, and your FICO score drops, Citi will be able to raise your interest rate to that maximum. They will, however, be required to give you notice beforehand.

    The one area where this card underperforms is in its lack of rewards. If you consistently maintain no monthly balance and pay on-time, the Citi Simplicity® Card - No Late Fees Ever really doesn't offer much value. Under these circumstances, Citi and other card companies have a wide array of rewards credit cards that will earn you points, miles or cash back on all your purchases. If you're willing to settle for slightly worse terms, you can also opt for a balance transfer/reward card hybrid, such as the Barclaycard CashForward™ World Mastercard® or the Chase Freedom®. Those cards offer shorter 0% intro periods, though come with rewards that make them worthwhile to keep around.

    Bottom Line:The Citi Simplicity® Card - No Late Fees Ever is one of the best balance transfer credit cards, due to the tremendously long 0% intro APR period. If you diligently pay off your credit card debt in full every month, however, you'll be better off looking for a reward credit card instead.

    Citi Simplicity® Card - No Late Fees Ever Benefits & Features

    The main benefit of the Citi Simplicity® Card - No Late Fees Ever is the fact that it provides users with 0% intro APR for 21 months from account opening - this applies to both balance transfers and purchases. With each transfer to the card, you will have to pay a fee of $5 or 3% of the transfer amount, whichever is greater - this is a standard rate, and is found on most credit cards of this type. After this promotional period ends, your APR will shift to somewhere between 14.24% to 24.24% - depending on your credit worthiness. This interest rate is based on the Prime Rate, and is therefore variable.

    Image of Citi Simplicity® Card - No Late Fees Ever
    Annual Fee $0*
    Purchase APR 14.99% - 24.99% (Variable)
    Card Details
    • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee...EVER
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
    • The same great rate for all balances, after the introductory period
    • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
    • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

    Just like most Citi credit cards, the Citi Simplicity® Card - No Late Fees Ever comes with a set of features called Citi Services. Many of these are boiler plate benefits you will find on most other credit cards and issuers, though one perk worth highlighting is Citi Price Rewind. If you register an item after purchasing it with the Citi Simplicity® Card - No Late Fees Ever, Citi will search for through online merchants for a cheaper price on that merchandise. If a lower price is found within 60 days of your transaction, Citi will refund you the price difference, up to $500 per item and up to $2,500 per calendar year. There is list of exclusions and caveats to this offer, which you can read through on Citi's website. Some of the most notable items that aren't covered include: tickets, jewelry, and stuffed/mounted animals.

    Reducing Debt With the Citi Simplicity® Card - No Late Fees Ever

    One of the major reason we like the Citi Simplicity® Card - No Late Fees Ever is that the card can be used to help you regain control over you financial situation. Unfortunately, a scenario we see too often is a cardholder who has accumulated too much credit card debt and ends up spending most of their monthly payments paying off the interest, rather than reducing their total debt. That is where a card like the Citi Simplicity® Card - No Late Fees Ever can help.

    By taking advantage of the intro APR offer new cardholders can transfer their existing credit card balance and begin using their payments to reduce their debt. Assuming you're making your minimum payments, you might be able to reduce your total debt by as much as 30% more in this manner. For an illustration, use the following tool to see how much you could save with the Citi Simplicity® Card - No Late Fees Ever vs your current credit card. Just punch in your current credit card balance, your monthly payments and current APR.

    Current Card Citi Simplicity® Card - No Late Fees Ever
    Current Card Citi Simplicity® Card - No Late Fees Ever
    Balance: Balance Transfer Fee: 3%
    Current APR: % Intro APR: 0% intro APR for 21 months
    Monthly Payment: APR: 14.24% 23.24%
    Recalculate

    No Penalty Rates, Late Fees and No Annual Fees Explained

    Marketed as "No Late Fees, No Penalty Rate and No Annual Fee - Ever", the Citi Simplicity® Card - No Late Fees Ever does try to differentiate itself with how it handles missed or late payments. Most credit cards we've looked at will charge up to $35 for a late payment which may not be a lot but can add up if it occurs consistently. As its name suggests, the Citi Simplicity® Card - No Late Fees Ever does not tack on any fees for late payments, just one small way you could save if you're in this situation.

    Where the cards features are a big deal is in having No Penalty Rate. Card companies are generally prohibited from adjusting the interest rate on the card unless one of a few things occur. This list can include but is not limited to things such as making a late payment, exceeding your credit limit and having your payment returned. When this does occur however, your card company can raise the APR on your card, often to a rate that is significantly higher than the worst rate initially offered. Many card we've seen have penalty APRs as high as 29.99%. Having your interest spike up to this amount can be a much larger cost, over time, than a simple $35 late fee. Therefore, the fact that the Citi Simplicity® Card - No Late Fees Ever doesn't come with any penalty APR can be a real money saver.

    If you're already having trouble making your finances work, the threat of having to pay higher interest rates to make ends meet can be troubling. With this card you can rely on knowing that missing a payment won't suddenly make it even harder to pay off your existing debt.

    How Does The Citi Simplicity® Card - No Late Fees Ever Compare To Other Credit Cards?

    In order to help you determine whether the Citi Simplicity® Card - No Late Fees Ever is a good fit, we took a look at how it stacks up against some of its competitors. Below we highlight the major strengths and weaknesses of each matchup.

    Citi Simplicity® Card - No Late Fees Ever vs Chase Slate®

    The Chase Slate® is one of the few credit cards to waive the transfer fee as an intro offer on balances transferred within the first 60 days of account opening. As a trade-off, the 0% introductory APR only lasts 15 months – half a year less than the Citi Simplicity® Card - No Late Fees Ever. As long as you are diligent about paying your credit card bill, and can pay off your debt in under 15 months, the Chase Slate® will be a better deal. In terms of other features, the Chase Slate® comes with the ability to monitor your FICO score, which can be a nice benefit to individuals working on building their out their credit history. Neither card offers rewards for shopping, making them both less valuable once the promotional period ends.

    Citi Simplicity® Card - No Late Fees Ever vs Barclaycard CashForward™ World Mastercard®

    The Barclaycard CashForward™ World Mastercard® offers both rewards and a 0% intro APR period for balance transfers - albeit 6 months shorter than that on the Citi Simplicity® Card - No Late Fees Ever. As long as you only need 15 months to take care of your outstanding credit card balance, the Barclaycard CashForward™ World Mastercard® is a better offer. Every purchase you make on it earns you 1.5% cash back, plus a 5% bonus with every redemption. If you pay your bills on time and in full, we recommend going with a reward card like this. If you need more time, there is also the option of applying for both cards. The Citi Simplicity® Card - No Late Fees Ever and the Barclaycard CashForward™ World Mastercard® have no annual fee. As long as you don’t mind opening up multiple new lines of credit, you can have the best of both worlds by applying to the two cards together.

    Citi Simplicity® Card - No Late Fees Ever vs Citi® Diamond Preferred® Card

    The Citi Simplicity® Card - No Late Fees Ever and the Citi® Diamond Preferred® Card have identical 0% intro APR offers, and mainly differ through extra perks they come with. The Citi® Diamond Preferred® Card doesn’t include Citi Price Rewind and has a late fee and Penalty APR. Instead, the Citi® Diamond Preferred® Card offers “VIP treatment” that includes personal concierge service and a members-only online shopping portal. How you value these different features will ultimately determine which card is better for you. From a pure value standpoint, we favor the Citi Simplicity® Card - No Late Fees Ever, due to the fact that we can quantify how much you can save by not having to pay a late fee, or by using Citi Price Rewind.

    Comparison Tool

    If you’re still having trouble deciding how the Citi Simplicity® Card - No Late Fees Ever compares to other offers, our interactive tool can help you reach a decision. By inputting your current outstanding debt, APR, and minimum monthly payments the tool below will calculate the estimated savings each of these balance transfer credit cards can offer you.

    Current Interest Rate:
    Current APR (%):
    Current Balance ($)
    Monthly Payments ($)
    Card APR Balance Transfer Fee Intro Balance Transfer Offer Interest Savings

    ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees.

    The estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

    Chase Freedom Unlimited®
    15.99% - 24.74% Variable Either $5 or 5% of the amount of each transfer, whichever is greater 0% for 15 months $0.00
    Graph Card Read Review More Details
    Annual Fee $0
    APR 15.99% - 24.74% Variable

    Card Details

    • Unlimited 1.5% cash back on every purchase — it's automatic
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • No minimum to redeem for cash back
    • Cash Back rewards do not expire as long as your account is open
    • No annual fee

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Chase Freedom Unlimited® 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Chase Freedom Unlimited® assumes an interest rate of 0.00%

    Capital One® Quicksilver® Cash Rewards Credit Card
    13.99% - 23.99% (Variable) 3% 0% intro on balance transfers for 9 months $0.00
    Graph Card Read Review More Details
    Annual Fee $0
    APR 13.99% - 23.99% (Variable)

    Card Details

    • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
    • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
    • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
    • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees

    Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Capital One® Quicksilver® Cash Rewards Credit Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Capital One® Quicksilver® Cash Rewards Credit Card assumes an interest rate of 0.00%

    Wells Fargo Propel American Express® Card
    13.99%-25.99% (Variable) 5% 0% for 12 months $0.00
    Graph Card More Details
    Annual Fee $0
    APR 13.99%-25.99% (Variable)

    Card Details

    • Earn 20,000 bonus points after spending $1,000 in the first 3 months
    • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
    • Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far® Rewards
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
    • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
    • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
    • $0 Annual Fee
    • Select "Apply Now" to learn more about the product features, terms, and conditions

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Wells Fargo Propel American Express® Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Wells Fargo Propel American Express® Card assumes an interest rate of 0.00%

    TRIO℠ Credit Card
    14.24% to 23.24% Variable 4% or $5 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
    Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 14.24% to 23.24% Variable

    Card Details

    • 3% cash back rewards at restaurants and 2% cash back rewards on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
    • 1% unlimited cash back rewards on all other purchases

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    TRIO℠ Credit Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the TRIO℠ Credit Card assumes an interest rate of 0.00%

    U.S. Bank Cash 365™ American Express® Card
    14.74% - 23.74% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
    Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 14.74% - 23.74% Variable

    Card Details

    • Earn unlimited 1.5% cash back on eligible net purchases
    • New cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
    • 0% Intro APR on balance transfers for 12 billing cycles. After that, a variable APR currently 14.74% - 23.74%
    • Unlimited cash back
    • Cash back never expires
    • No annual fee
    • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    U.S. Bank Cash 365™ American Express® Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the U.S. Bank Cash 365™ American Express® Card assumes an interest rate of 0.00%

    The Choice Privileges® Visa® Card
    15.24%, 19.99% or 24.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
    Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 15.24%, 19.99% or 24.99% Variable

    Card Details

    • Earn 8,000 bonus points after your first purchase
    • Earn 24,000 bonus points after your first paid stay at any Choice Privileges location
    • 15 points for every $1 spent at Choice Privileges locations
    • 5 points for every $1 spent on additional Choice Privileges points or Choice Hotel gift card purchases
    • 2 points for every $1 spent otherwise
    • Cardmembers automatically get Elite Gold status
    • Book award and free nights twenty days before other members
    • 10% point bonus on points earned for eligible stays at Choice Privileges locations
    • Redeem points for reward nights at over 1,500 hotel locations, gift cards for a variety of merchants, donations, and memberships

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    The Choice Privileges® Visa® Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the The Choice Privileges® Visa® Card assumes an interest rate of 0.00%

    ThankYou® Preferred Credit Card
    14.49% - 24.49%* (Variable) 4% of each balance transfer; $5 minimum. 0%* 15 months $0.00
    Graph Card Read Review More Details
    Annual Fee $0*
    APR 14.49% - 24.49%* (Variable)
    *Rates and Fees

    Card Details

    • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.49% - 24.49% based upon your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
    • Earn 2X Points on Dining Out & Entertainment
    • Earn 1X Points on All Other Purchases
    • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • No annual fee*

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    ThankYou® Preferred Credit Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the ThankYou® Preferred Credit Card assumes an interest rate of 0.00%

    Hawaiian Airlines® World Elite Mastercard®
    16.24%, 20.24% or 25.24% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
    Graph Card Read Review More Details
    Annual Fee $89
    APR 16.24%, 20.24% or 25.24% Variable

    Card Details

    • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
    • Earn 2 miles for every $1 spent on Haiwaiian Airlines
    • Earn $1 for every $1 spent on all other purchases
    • Primary cardholder is eligible to earn a $100 discount off one coach companion ticket for roundtrip travel between Hawaii and North America on Hawaiian Airlines on each account anniversary upon payment of annual fee
    • Receive a one-time 50% Off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
    • As a primary cardholder, receive a complimentary first checked bag every time you use your card to purchase eligible tickets directly from Hawaiian Airlines
    • No foreign transaction fees

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Hawaiian Airlines® World Elite Mastercard® 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Hawaiian Airlines® World Elite Mastercard® assumes an interest rate of 0.00%

    Discover it® ­- 18 Month Balance Transfer Offer
    11.99% – 23.99% Variable 3% 0% $0.00
    Graph Card Read Review More Details
    Annual Fee $0
    APR 11.99% – 23.99% Variable

    Card Details

    • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
    • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
    • No annual fee.
    • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Discover it® ­- 18 Month Balance Transfer Offer 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Discover it® ­- 18 Month Balance Transfer Offer assumes an interest rate of 0.00%

    Chase Freedom®
    15.99% - 24.74% Variable Either $5 or 5% of the amount of each transfer, whichever is greater 0% for 15 months $0.00
    Graph Card Read Review More Details
    Annual Fee $0
    APR 15.99% - 24.74% Variable

    Card Details

    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
    • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
    • Unlimited 1% cash back on all other purchases - it's automatic
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • No minimum to redeem for cash back
    • Cash Back rewards do not expire as long as your account is open
    • No annual fee

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Chase Freedom® 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Chase Freedom® assumes an interest rate of 0.00%

    Priceline Rewards™ Visa Card
    14.99%, 19.99% or 24.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
    Graph Card Read Review More Details
    Annual Fee No Annual Fee
    APR 14.99%, 19.99% or 24.99% Variable

    Card Details

    • 5 points for every $1 spent on priceline.com purchases
    • 1 point for every $1 spent otherwise
    • Redeem points for statement credits against purchases made on the Priceline credit card: can be used to pay for flights, hotel stays, car rentals, gift cards, or any other purchase on the card
    • Reward redemptions begin at $25
    • Get 10% points back every time you redeem points for statement credits toward eligible priceline.com or travel purchases of $25 or more made in the last 120 days

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Priceline Rewards™ Visa Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Priceline Rewards™ Visa Card assumes an interest rate of 0.00%

    The Amex EveryDay® Credit Card from American Express
    13.99%-23.99% Variable Either $5 or 3% of the amount of each transfer, whichever is greater. 0% on Balance Transfers 12 months $0.00
    Graph Card Read Review More Details

    Terms and Limitations Apply

    Annual Fee $0
    APR 13.99%-23.99% Variable
    *Rates and Fees

    Card Details

    • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
    • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 23.99%.
    • No annual fee.
    • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
    • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
    • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
    • Terms Apply.

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    The Amex EveryDay® Credit Card from American Express 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the The Amex EveryDay® Credit Card from American Express assumes an interest rate of 0.00%

    Blue Cash Everyday® Card from American Express
    13.99%-24.99% Variable Either $5 or 3% of the amount of each transfer, whichever is greater. 0% on Balance Transfers for 15 months $0.00
    Graph Card Read Review More Details

    Terms and Limitations Apply

    Annual Fee $0
    APR 13.99%-24.99% Variable
    *Rates and Fees

    Card Details

    • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
    • No annual fee.
    • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
    • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
    • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
    • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
    • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
    • Terms Apply.

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Blue Cash Everyday® Card from American Express 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Blue Cash Everyday® Card from American Express assumes an interest rate of 0.00%

    Holland American Line Rewards Visa Card
    13.99%, 16.99% or 20.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
    Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.99%, 16.99% or 20.99% Variable

    Card Details

    • Earn 5,000 points upon first purchase
    • 2 points for every $1 spent on all Holland American purchases
    • 1 point for every $1 spent otherwise
    • Redeem rewards towards discounted, reduced, and free cruise redemptions
    • Visa Signature rewards include access to exclusive events and special offers, travel and emergency assistance, travel accident insurance, roadside dispatch, lost luggage reimbursements, and auto rental collision damage waiver

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Holland American Line Rewards Visa Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Holland American Line Rewards Visa Card assumes an interest rate of 0.00%

    Premier Miles & More® World Mastercard®
    15.99% or 24.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
    Graph Card Read Review More Details
    Annual Fee $79
    APR 15.99% or 24.99% Variable

    Card Details

    • Earn 20,000 award miles with first purchase or balance transfer
    • Annual Companion Ticket after first purchase, and annually thereafter
    • 2 miles for every $1 spent on Miles and More integrated airlines
    • 1 mile for every $1 spent otherwise
    • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, and Star Alliance airlines and other partners
    • Complimentary Companion ticket after first purchase, then every year after
    • $79 Annual Fee waived for Senator and HON Circle Members
    • No foreign transaction fee

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Premier Miles & More® World Mastercard® 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Premier Miles & More® World Mastercard® assumes an interest rate of 0.00%

    The Wyndham Rewards® Visa Signature® Card
    15.24% or 19.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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    Annual Fee No Annual Fee
    APR 15.24% or 19.99% Variable

    Card Details

    • Earn 12,000 bonus points with first purchase
    • 5 points per $1 spent on participating hotels
    • 2 points per $1 spent everywhere else
    • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    The Wyndham Rewards® Visa Signature® Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the The Wyndham Rewards® Visa Signature® Card assumes an interest rate of 0.00%

    Princess Cruises Rewards Visa Card
    13.99%, 16.99% or 20.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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    Annual Fee No Annual Fee
    APR 13.99%, 16.99% or 20.99% Variable

    Card Details

    • Earn 5,000 Bonus Princess Points after your make your first purchase
    • 2 points for every $1 spent on Princess Cruises purchases
    • 1 point for every $1 spent otherwise
    • Redeem rewards towards discounted, reduced, and even free cruise redemptions
    • Points can also be redeemed for special occasions, spa experiences, onboard credits, Princess merchandise, and airfare discounts

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Princess Cruises Rewards Visa Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Princess Cruises Rewards Visa Card assumes an interest rate of 0.00%

    Carnival World™ MasterCard®
    13.99%, 16.99% - 20.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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    Annual Fee No Annual Fee
    APR 13.99%, 16.99% - 20.99% Variable

    Card Details

    • Earn 5,000 Bonus FunPoints® when you use your card for the first time
    • 2 FunPoints for every $1 spent on all Carnival Cruise Line purchases
    • 1 FunPoint for every $1 spent otherwise
    • Redeem FunPoints towards cruise nights, Sail & Sign purchases onboard, spa or massage packages
    • FunPoints can be redeemed toward nights on Carnival, Princess Cruises, Holland America Line, Costa Cruises, and the Yachts of Seabourn

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Carnival World™ MasterCard® 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Carnival World™ MasterCard® assumes an interest rate of 0.00%

    National Geographic Platinum Edition® Visa®
    15.99% - 22.99% Variable 5% or $10 whichever is greater. 0% Intro on Balance Transfers for 6 months. $0.00
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    Annual Fee No Annual Fee
    APR 15.99% - 22.99% Variable

    Card Details

    • Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
    • 2 points per $1 spent on purchases made through National Geographic
    • 1 point per $1 spent eveywhere else
    • 12 digital issues of National Geographic magazine plus online archive
    • 20% off qualifying purchases through the National Geographic catalog and online store
    • $250 off Nat Geo Expeditions and Adventure trips

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    National Geographic Platinum Edition® Visa® 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the National Geographic Platinum Edition® Visa® assumes an interest rate of 0.00%

    RCI® Elite Rewards® MasterCard®
    13.99% or 24.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
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    Annual Fee No Annual Fee
    APR 13.99% or 24.99% Variable

    Card Details

    • Earn up to 2,500 bonus rewards after your first purchase
    • 2 points for every $1 spent on RCI purchases
    • 1 point for every $1 spent otherwise
    • Redeem rewards toward membership renewals, exchange fees, worldwide travel (flights, car rentals, hotels, etc.), merchandise, gift cards, and RCI Resort Dollars cards

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    RCI® Elite Rewards® MasterCard® 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the RCI® Elite Rewards® MasterCard® assumes an interest rate of 0.00%

    Miles & More® World Elite Mastercard®
    Image of Miles & More® World Elite Mastercard® 16.99% or 25.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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    Annual Fee $89
    APR 16.99% or 25.99% Variable

    Card Details

    • 50,000 award miles after qualifying transactions
    • 1 mile for every $1 spent
    • Free Companion Ticket (economy class) upon the first use of the new Lufthansa World MasterCard, and on the anniversary of your account opening
    • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Miles & More® World Elite Mastercard® 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Miles & More® World Elite Mastercard® assumes an interest rate of 0.00%

    Truly Simple Credit Card
    12.74% - 23.74% Variable 4% or $10 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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    Annual Fee No Annual Fee
    APR 12.74% - 23.74% Variable

    Card Details

    • No Annual Fee
    • No Penalty Rate (APR) for a missed payment
    • Low 0% introductory APR for the first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 12.74% to 23.74% based on your creditworthiness

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Truly Simple Credit Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Truly Simple Credit Card assumes an interest rate of 0.00%

    KeyBank Latitude Credit Card
    Image of KeyBank Latitude Credit Card 10.74% - 20.74% Variable 4% or $10 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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    Annual Fee No Annual Fee
    APR 10.74% - 20.74% Variable

    Card Details

    • No annual fee
    • Special low Introductory APR of 0% for the first 15 billing cycles on purchases and balance transfers1 (made within 60 days of account opening).
    • After that, our lowest variable Purchase and Balance Transfer APR will apply, currently 10.74% - 20.74%, based on credit worthiness.

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    KeyBank Latitude Credit Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the KeyBank Latitude Credit Card assumes an interest rate of 0.00%

    BB&T Bright® Card
    Image of BB&T Bright® Card 11.9% to 20.9% Variable 3% or $10 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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    Annual Fee No Annual Fee
    APR 11.9% to 20.9% Variable

    Card Details

    • 0% introductory (APR) for 15 months on purchases and balance transfers
    • Afterwards, variable APRs ranging from 11.9% to 20.9%
    • No annual fee

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    BB&T Bright® Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the BB&T Bright® Card assumes an interest rate of 0.00%

    US Bank Visa® Platinum Card
    10.74% - 22.74% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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    Annual Fee No Annual Fee
    APR 10.74% - 22.74% Variable

    Card Details

    • 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.74% - 22.74%
    • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
    • No Annual Fee
    • Flexibility to choose a payment due date that fits your schedule
    • Fraud Protection: receive notifications of unusual activity, plus zero fraud liability for fraudulent charges

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    US Bank Visa® Platinum Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the US Bank Visa® Platinum Card assumes an interest rate of 0.00%

    Wells Fargo Platinum Visa® Card
    16.15%-25.99% (Variable) 5% 0% for 18 months $0.00
    Graph Card More Details
    Annual Fee $0
    APR 16.15%-25.99% (Variable)

    Card Details

    • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
    • Free access to your FICO® Credit Score with Wells Fargo Online®
    • Zero Liability protection for promptly reported unauthorized transactions
    • Convenient tools to help create a budget and manage your spending with My Money Map
    • $0 Annual Fee
    • Select "Apply Now" to learn more about the product features, terms, and conditions

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Wells Fargo Platinum Visa® Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Wells Fargo Platinum Visa® Card assumes an interest rate of 0.00%

    BankAmericard® Better Balance Rewards
    11.99% - 21.99% Variable 3% or $10 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
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    Annual Fee No Annual Fee
    APR 11.99% - 21.99% Variable

    Card Details

    • Earn $25 per quarter to pay down your balance faster when you pay more than the monthly minimum on time each month–that can be up to $100 each year
    • No annual fee
    • 0% Intro APR on purchases and balance transfers for 12 billing cycles

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    BankAmericard® Better Balance Rewards 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the BankAmericard® Better Balance Rewards assumes an interest rate of 0.00%

    Citi Simplicity® Card - No Late Fees Ever
    14.99% - 24.99% (Variable) 3% of each balance transfer; $5 minimum. 0%* 21 months $0.00
    Graph Card Read Review More Details
    Annual Fee $0*
    APR 14.99% - 24.99% (Variable)
    *Rates and Fees

    Card Details

    • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee...EVER
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
    • The same great rate for all balances, after the introductory period
    • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
    • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Citi Simplicity® Card - No Late Fees Ever 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Citi Simplicity® Card - No Late Fees Ever assumes an interest rate of 0.00%

    Citi® Diamond Preferred® Card
    13.99% - 23.99%* (Variable) 3% of each balance transfer; $5 minimum. 0%* 21 months $0.00
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    Annual Fee $0*
    APR 13.99% - 23.99%* (Variable)
    *Rates and Fees

    Card Details

    • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer
    • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
    • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
    • No annual fee*
    • Free access to FICO® Scores*

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Citi® Diamond Preferred® Card 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Citi® Diamond Preferred® Card assumes an interest rate of 0.00%

    Chase Slate®
    15.74%-24.49% Variable $0 Intro fee on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater. 0% Intro APR on Balance Transfers 15 months $0.00
    Graph Card Read Review More Details
    Annual Fee $0
    APR 15.74%-24.49% Variable

    Card Details

    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
    • Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Monthly FICO® Score and Credit Dashboard for free
    • No Penalty APR Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Chase Slate® 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Chase Slate® assumes an interest rate of 0.00%

    PCB Platinum
    Image of PCB Platinum 13.49% to 24.49% Variable 2% or $2 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
    Graph Card More Details
    Annual Fee No Annual Fee
    APR 13.49% to 24.49% Variable

    Card Details

    • 0% introductory APR on purchases for the first 12 months. When the offer expires the variable APR will be from 13.49% up to 24.49%.

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    PCB Platinum 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the PCB Platinum assumes an interest rate of 0.00%

    Mastercard® Black Card™
    15.99% Variable 3%, Min: $5 0% for 15 months $0.00
    Graph Card More Details
    Annual Fee $495
    APR 15.99% Variable

    Card Details

    • Stainless Steel - Patented Card Design
    • 2% Value for Airfare Redemptions
    • 1.5% Value for Cash Back Redemptions
    • 24/7 Luxury Card Concierge™
    • Exclusive Luxury Card Travel Benefits
    • $100 Annual Airline Credit Toward Qualifying Purchases
    • $100 Global Entry Application Fee Credit
    • Annual Fee: $495 ($195 for each Authorized User)

    Estimated Savings Through 24 Months

    Card Interest Paid* Balance Transfer Fee Total
    Current Card 0.00 0 0.00
    Mastercard® Black Card™ 0.00 0.00 0.00
    Savings 0.00

    *The calculation for interest paid for the Mastercard® Black Card™ assumes an interest rate of 0.00%

    Comments and Questions

    * See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

    Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

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    How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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