Pros

Long Introductory APR Period: 0% for 21 months on balance transfers, 0% for 12 months on purchases.

No Late Fees: Cardholders will not be charged any late fees or penalty rates.

No Annual Fee: This card does not charge an annual fee, reducing costs for cardholders.

Choose Your Payment Due Date: Cardholders have the flexibility to choose their own payment due date.

Cons

No Rewards Program: Unlike many other cards, this one does not offer any rewards or cash back on purchases.

Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater, introductory fee for transfers made within 4 months of account opening. After that, your fee will be either $5 or 5% of the amount of each transfer, whichever is greater.

No Sign-Up Bonus: The card does not offer a sign-up bonus, unlike many competitors.

Foreign Transaction Fees: There is a 3% foreign transaction fee which can add up on international purchases.

Why Choose It

The Citi Simplicity® Card is the card to get when you value peace of mind above all else. Its long 0% intro APR period on purchases and balance transfers makes it an ideal choice for those planning a big purchase or trying to pay down debt. While it doesn't have a rewards program or sign-up bonus, its core strength lies in its simplicity and user-friendly features, such as no late fees, no penalty rate, and no annual fee. This card's flexibility and leniency make it an excellent pick for those seeking to simplify their financial life without hidden costs.