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

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

The Citi Simplicity® Card is one of the best balance transfer cards around. It has one of the longest 0% Introductory APR periods of any card.
Editor's Rating: 4.5/5.0

Editor's Rating

4.5/5.0

The Citi Simplicity® Card can be an excellent tool for consumers who wish to get their credit card debt under control. This card comes with a 21 month 0% APR period on balance transfers and 12 months on purchases–which is among some of the better offers we've seen. After the intro period, the APR will be 15.99% - 25.99%* (Variable), based on your creditworthiness.

Review: The Citi Simplicity® Card Is A Great Option For Lowering Your Interest Payments

The Citi Simplicity® Card 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% intro APR period on purchases and balance transfers gives you ample opportunity to put a dent in your debt. According reports from the Federal Reserve, the average credit card APR for accounts that are assessed interest hovers at around 15%. If you have $10,000 in credit card debt and are making $550 monthly payments on an average card, moving the debt over to the Citi Simplicity® Card can save you as much as $1,255. On top of this, transferring the balance over will also cause you to be rid of the debt sooner than had you stuck with the 15% card.

There are never any late fees nor penalty APR on the Citi Simplicity® Card. 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.

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 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 Barclays CashForward™ World Mastercard® or the Chase Freedom®.

Bottom Line:The Citi Simplicity® Card is one of the better cards for paying down debt. 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 Benefits & Features

The main benefit of the Citi Simplicity® Card is the fact that it provides users with 0% intro APR for 21 months on balance transfers. With each transfer to the card, you will have to pay a fee of $5 or 5% 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 15.99% - 25.99%* (Variable).

Citi Simplicity® Card
Annual Fee
$0*
Purchase APR
15.99% - 25.99%* (Variable)
Credit Needed Excellent, Good
Details
  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full.
  • There is a balance transfer fee of either $5 or 5% 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

Reducing Debt With the Citi Simplicity® Card

One of the major reasons we like the Citi Simplicity® Card 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 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.

No Penalty Rates, Late Fees and No Annual Fees Explained

Marketed as "No Late Fees Ever", the Citi Simplicity® Card 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 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 cards 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 doesn't come with any penalty APR can be a real money saver.

How Does The Citi Simplicity® Card Compare To Other Credit Cards?

In order to help you determine whether the Citi Simplicity® Card 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 vs Chase Slate®

Chase Slate®
This card is not available through ValuePenguin.
Chase Slate®
This card is not available through ValuePenguin.

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 – 6 months less than the Citi Simplicity® Card. 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 vs Barclays CashForward™ World Mastercard®

Barclays CashForward™ World Mastercard®
This card is not available through ValuePenguin.
Barclays CashForward™ World Mastercard®
This card is not available through ValuePenguin.

The Barclays CashForward™ World Mastercard® offers both rewards and a 0% intro APR period for balance transfers. As long as you only need 15 months to take care of your outstanding credit card balance, the Barclays 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 and the Barclays CashForward™ World Mastercard® have no annual fees. 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 vs Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card
This card is not available through ValuePenguin.
Citi® Diamond Preferred® Card
This card is not available through ValuePenguin.

The Citi® Diamond Preferred® Card is very similar to the Citi Simplicity® Card in that they both offer a 0% intro APR period for balance transfers that spans 21 months. After that, your APR on the Citi® Diamond Preferred® Card will be 14.99% - 24.99% Variable, based on your creditworthinesss. The Citi Simplicity® Card is the more forgiving of the two for customers who might miss a payment every so often. Nevertheless, if you're looking for a balance transfer card to help pay off debt, then either of these cards will be a great help.

Comparison Tool

If you’re still having trouble deciding how the Citi Simplicity® Card 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.

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 and Value Calculation

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%

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
The Choice Privileges® Visa® Card
16.24%, 20.99% or 25.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details and Value Calculation

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%

Annual Fee No Annual Fee
APR 16.24%, 20.99% or 25.99% Variable

Card Details

  • 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
Hawaiian Airlines® World Elite Mastercard®
16.99%, 20.99% or 25.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details and Value Calculation

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%

Annual Fee $89
APR 16.99%, 20.99% or 25.99% Variable

Card Details

  • 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
Discover it® Balance Transfer
13.99% - 24.99% Variable 3% 0% $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Discover it® Balance Transfer 0.00 0.00 0.00
Savings 0.00

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

Annual Fee $0
APR 13.99% - 24.99% Variable

Card Details

    • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
    • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
    • Redeem cash back any amount, any time. Rewards never expire.
    • 100% U.S. based customer service.
    • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
    • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
    • No annual fee.
    • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Allegiant World Mastercard®
14.24% - 24.24% Variable 3% or $10 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Allegiant World Mastercard® 0.00 0.00 0.00
Savings 0.00

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

Annual Fee $59
APR 14.24% - 24.24% Variable

Card Details

  • Earn 3 points per $1 on Allegiant purchases, 2 points per $1 on qualifying dining purchases and 1 point per $1 on all other purchases
  • Earn 15,000 Bonus Points – equal to $150 off your next Allegiant trip, after you make $1,000 or more in purchases within the first 90 days of account opening
  • Buy one, get one free airfare - anytime you use your card to purchase a vacation package from Allegiant with four or more hotel nights or seven or more rental car days on the same itinerary
  • No blackout dates, no destination restrictions, and no minimum points redemption
  • Complimentary priority boarding and one free beverage every time you fly Allegiant when you show your Allegiant credit card
Chase Freedom®
16.99% - 25.74% Variable Either $5 or 3% of the amount of each transfer, whichever is greater. 0% Intro APR on Balance Transfers for 15 months $0.00
Graph Card Read Review More Details and Value Calculation

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%

Annual Fee $0
APR 16.99% - 25.74% Variable

Card Details

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • 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
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
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 and Value Calculation

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%

Annual Fee No Annual Fee
APR 14.99%, 19.99% or 24.99% Variable

Card Details

  • 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
Carnival World™ MasterCard®
15.49%, 20.49% or 25.49% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details and Value Calculation

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%

Annual Fee No Annual Fee
APR 15.49%, 20.49% or 25.49% Variable

Card Details

  • 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
Holland American Line Rewards Visa Card
Image of 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 and Value Calculation

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%

Annual Fee No Annual Fee
APR 13.99%, 16.99% or 20.99% Variable

Card Details

  • 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
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 and Value Calculation

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%

Annual Fee $79
APR 15.99% or 24.99% Variable

Card Details

  • 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
The Wyndham Rewards® Visa Signature® Card
16.24%, 20.99% or 25.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details and Value Calculation

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%

Annual Fee No Annual Fee
APR 16.24%, 20.99% or 25.99% Variable

Card Details

  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more
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
Graph Card Read Review More Details and Value Calculation

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%

Annual Fee No Annual Fee
APR 15.99% - 22.99% Variable

Card Details

  • 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
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
Graph Card More Details and Value Calculation

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%

Annual Fee No Annual Fee
APR 13.99%, 16.99% or 20.99% Variable

Card Details

  • 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
RCI® Elite Rewards® MasterCard®
Image of 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
Graph Card More Details and Value Calculation

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%

Annual Fee No Annual Fee
APR 13.99% or 24.99% Variable

Card Details

  • Redeem rewards toward membership renewals, exchange fees, worldwide travel (flights, car rentals, hotels, etc.), merchandise, gift cards, and RCI Resort Dollars cards
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
Graph Card More Details and Value Calculation

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%

Annual Fee $89
APR 16.99% or 25.99% Variable

Card Details

  • 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
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
Graph Card Read Review More Details and Value Calculation

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%

Annual Fee No Annual Fee
APR 10.74% - 22.74% Variable

Card Details

  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 11.24% - 23.24%
  • 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
  • Cell Phone Protection
Citi Simplicity® Card
15.99% - 25.99%* (Variable) 5% of each balance transfer; $5 minimum. 0%* for 21 months on Balance Transfers* $0.00
Graph Card Read Review More Details and Value Calculation

Estimated Savings Through 24 Months

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

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

Annual Fee $0*
APR 15.99% - 25.99%* (Variable)

Card Details

  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full.
  • There is a balance transfer fee of either $5 or 5% 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
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
Graph Card Read Review More Details and Value Calculation

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%

Annual Fee No Annual Fee
APR 11.99% - 21.99% Variable

Card Details

  • No annual fee
  • 0% Intro APR on purchases and balance transfers for 12 billing cycles
Wells Fargo Platinum Visa® Card
13.49%-26.99% (Variable) 3% Intro for 18 months, then 5% 0% for 18 months $0.00
Graph Card More Details and Value Calculation

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%

Annual Fee $0
APR 13.49%-26.99% (Variable)

Card Details

  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • 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® Credit Card
  • Easy 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
Truly Simple Credit Card
Image of 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
Graph Card More Details and Value Calculation

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%

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
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
Graph Card More Details and Value Calculation

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%

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.
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
Graph Card More Details and Value Calculation

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%

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
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 and Value Calculation

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%

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%.
BankAmericard® Credit Card for Students
Image of BankAmericard® Credit Card for Students 14.99% - 24.99% Variable 3% or $10 whichever is greater. N/A $0.00
Graph Card More Details and Value Calculation

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
BankAmericard® Credit Card for Students 0.00 0.00 0.00
Savings 0.00

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

Annual Fee No Annual Fee
APR 14.99% - 24.99% Variable

Card Details

  • 0% for 15 billing cycles. Applies to purchases and to any balance transfers made within 60 days of opening your account
  • Introductory $0 balance transfer fee for the first 60 days your account is open
  • No Annual Fee
  • Chip technology for enhanced security and protection when making purchases at chip-enabled terminals in over 130 countries
  • Access to credit education on topics like using credit cards responsibly, budgeting and more

Comments and Questions

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* 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.

Info about the following cards: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Credit Card from American Express, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, and Amazon Business American Express Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

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Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred® Card points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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