Citi · Mastercard
Citi Simplicity
Moving existing debt: 18 months at 0% with the lowest transfer fee (3%)
No annual fee
Why people consider it
- No annual fee, and 1x on everything.
Welcome offer
No welcome offer right now.
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
Calculate my rewards → Enter your monthly spending and see exactly how much this card would earn you compared to every other card we track. Already carry it? Add it to My Cards →
Is this card worth it?
Ongoing value
$0/year
for the sample household ($4,800/month) · points at typical value
- Full annual fee:
- none
- Major trade-offs:
- No rewards — this card is for borrowing, not earning 3% fee requires transferring within the first 4 months (5% after)
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
Optional benefits and credits
Perks (not counted in our math)
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Citi's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + 18 months 0% on balance transfers with a 3% intro fee — the cheapest long transfer window
- + No annual fee, no late fees, no penalty APR
- + 18 months 0% on purchases too
Cons
- - No rewards — this card is for borrowing, not earning
- - 3% fee requires transferring within the first 4 months (5% after)
- - High APR after the intro period
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.