Best for balance transfers
Citi Simplicity® Card
Citi Simplicity® Card
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The main advantage of the Citi Simplicity® Card is its 0 percent introductory APR for 21 months on balance transfers and 12 months on purchases, after which a variable APR of 19.24 percent to 29.99 percent applies. Keep in mind that balance transfers must be made within the first four months of account opening to qualify for the intro APR.
The card doesn’t earn rewards and comes with few other frills. However, it is still worth considering if you want to make a dent in your debt and need a good amount of time to pay it off at a 0 percent intro APR.