As the reigning king of low-interest credit cards, the Citi Simplicity® Card – No Late Fees Ever, no late fees ever boasts an industry-leading 0% introductory APR period, as well as no late fees or penalty APR if you miss a payment. Whether you are looking to get rid of an existing debt or make a big purchase that you can take your time paying off, this card is a solid option. Also, this card does not have an annual fee!
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No Late Fees -No Late Fees Ever is ideal for two groups of people: Those who need a long time to pay off their initial purchases, and those who make late payments.
No Rewards – Rewards junkies and folks with credit card debt should look elsewhere.
Who Should Apply:
- Someone who wants a long APR on purchases or balance transfers.
- Someone who occasionally makes late payments.
Who Should Pass:
- Anyone who doesn’t want to pay a balance transfer fee.
- Someone who wants rewards.
Reasons Why You’ll Enjoy This Card
If you are planning to make a big purchase and need time to pay it off, then the Citi Simplicity® Card – No Late Fees Ever is an excellent option. This card is great if you think you might be late on a few payments. For affordable balance transfers or a rewards card, check out the alternative cards above. Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month. If this card isn’t for you, then check out our full list of credit card bonus promotions.