Citi Simplicity 0% APR & payoff plan.
An 18-month 0% APR on both purchases and balance transfers, with no annual fee.
Terms last verified Oct 6, 2026 from the issuer page. Always confirm current terms with the issuer before applying.
- 0% on purchases
- 18 months
- 0% on transfers
- 18 months
- Balance transfer fee
- 3% intro, then 5%
- Regular APR
- 17.74% to 28.49% variable
- Annual fee
- $0
- Issuer
- Citi
- Category
- Balance Transfer
Promo APR details
Both 0% windows run 18 months from account opening. Balance transfers must be completed in the first 4 months; those cost 3% (min $5), later ones 5% (min $5).
Payoff strategy
Move the balance in the first 4 months, then divide it by 18 and automate that payment. Cardinate recomputes the number as the balance moves so you land at zero before month 19.
When this card makes sense
The Citi Simplicity is most useful when the offer matches the job. If you are paying down existing debt, the 18 months 0% balance transfer window is the lever. If you are financing a planned purchase, lean on the 18 months 0% purchase window. After the promo ends, the 17.74% to 28.49% variable regular APR is expensive, so the only winning move is finishing the payoff before the snap-back date.
Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.