This Card Offers 0% APR Until 2027 -- With No Annual Fee

Published on June 6, 2025

Joel O'Leary

By: Joel O'Leary

Full Time Writer

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Citi is an advertising partner of Motley Fool Money.

KEY POINTS

  • The Citi Simplicity® Card offers 0% intro APR for 21 months on Balance Transfers, and for 12 months on Purchases.
  • It has no annual fee, no late fees, and no penalty APR
  • A balance transfer fee applies, and the card requires good credit to qualify.

Welp, the high-end kitchen appliances my wife and I budgeted for last year have ballooned in price -- we're now looking at about $12,000 all in for the stuff we actually want.

The good news is we don't have to drain our savings to cover it. Instead, we're looking at a 0% intro APR credit card to stretch the payments out without paying interest. One card that stands out is the Citi Simplicity® Card, from our partner, which gives you 0% intro APR for 12 months on Purchases.

Balance transfers have an even longer intro APR, stretching all the way into 2027! Here are the card's highlights:

Ratings Methodology
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Citi Simplicity® Card

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Citi Simplicity® Card
Rating image, 4.90 out of 5 stars.
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Rating image, 4.90 out of 5 stars.
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Simplicity® Card

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Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months on Purchases

Balance Transfers: 0%, 21 months on Balance Transfers

Regular APR

18.24% - 28.99% (Variable)

Rewards

N/A

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Long intro balance transfer APR

  • This is one of our favorite cards for balance transfers. It has 0% intro APR for 21 months on balance transfers and a discounted balance transfer fee for the first four months. That combo makes it one of the most generous balance transfer offers we’ve seen. But it doesn't have much ongoing value after the intro 0% APR period ends.

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    • Great intro APR
    • No annual fee
    • No late fees
    • No penalty APR
    • Choose your own payment date
    • No rewards
    • Foreign transaction fee
    • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
    • 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
    • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
    • Stay protected with Citi® Quick Lock

No interest until 2027

You almost can't beat a 0% intro APR for 21 months on Balance Transfers. The Citi Simplicity® Card really is one of the best balance transfer cards available today. The intro offer means if you transfer a balance today, you won't pay a cent in interest until early 2027.

That gives you almost two years of breathing room to tackle your debt and get ahead.

Here are some important terms you need to know before applying:

  • Credit needed: This card typically requires a good to excellent credit score (that's a FICO® Score of 670 or higher)
  • Time limit: To take advantage of the 0% intro APR period, balance transfers need to be done within four months of account opening.
  • Balance transfer fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Don't stress too much about the fee. Most of the time you'll save more in interest than what the fee costs.

No annual fee, no late fees, no penalty APR

Unlike many other 0% intro APR cards, the Citi Simplicity® Card doesn't penalize you for being human and accidentally missing a payment.

This card has:

  • $0 annual fee
  • No late payment fees
  • No penalty APR (your rate won't skyrocket if you miss a payment)

That last one is a big deal. Most cards jack up your interest rate if you slip up. The Citi Simplicity® Card gives you a second chance.

A strong alternative: Citi Double Cash® Card

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Citi Double Cash® Card

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Citi Double Cash® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Fair to Excellent (580-850)
Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Fair to Excellent (580-850)

Intro APR

Purchases: N/A

Balance Transfers: 0%, 18 months on Balance Transfers

Regular APR

18.24% - 28.24% (Variable)

Rewards Circle with letter I in it. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

2% cash back

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

$200

  • This card combines a top-notch balance transfer offer with best-in-class unlimited 2% cash back on purchases. There's no introductory APR for purchases, so you'll need to pay those off in full every month if you want to avoid interest charges.

    Read Full Review
    • High cash back
    • 0% intro APR balance transfer offer
    • No annual fee
    • Free credit score monitoring
    • Foreign transaction fee
    • No 0% intro APR on purchases
    • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
    • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
    • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
    • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Another great option for balance transfers is the Citi Double Cash® Card.

This card offers a 0% intro APR for 18 months on Balance Transfers (just a tad shorter than the Citi Simplicity® Card's offer) and has a $0 annual fee.

But it offers something the Citi Simplicity® Card doesn't: 2% cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

So if you're dealing with a smaller debt balance, and you know you can crush your payoff goal within the intro period, this card gives you a rare combo of rewards and breathing room.

What I like most about the Citi Double Cash is that it's a long-term keeper. The intro APR might be the most appealing perk at sign-up, but it's the steady 2% cash back that will keep you holding it for years.

If you want a card that keeps rewarding you long after the 0% intro APR period ends, then click here to apply for the Citi Double Cash® Card now (see rates and fees).

Our Research Expert

Joel O'Leary
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Joel is a full-time writer at Motley Fool Money, known for his clear, approachable voice on topics like credit cards, savings hacks, and side hustles. He’s been writing about money since 2018 and previously managed editorial content for the How To Money podcast.