Overall, this is a solid card to investigate.įor more information, read our full Citi Simplicity Card review. You can also choose your payment due date, which makes monthly budgeting easier. This card comes with a $0 annual fee, no late payment fees, and no penalty APR rates. Transfers need to be completed within the first 4 months of opening the account for the introductory APR to apply. The balance transfer fee of 3% of each balance transfer ($5 minimum) within 4 months of account opening then 5% of each transfer ($5 minimum) after the 4 month intro period ends, is within the norm of what credit cards typically charge. Citi Simplicity ® CardĪt a whopping 21 months, the Citi Simplicity ® Card has a very long 0% introductory APR (then 18.99% - 29.74% (Variable)). This card comes with a $0 annual fee, cell phone protection and roadside dispatch benefits.įor more information, read our full Wells Fargo Reflect Card review. The Wells Fargo Reflect ® Card has a very long intro APR period of 21 months from account opening on qualifying balance transfers with an 0% introductory APR (then 17.99% - 29.99% variable).
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