It’s in the name. Citi Simplicity aims to be the handy, worry-free credit card that does not punish customers when life becomes overwhelming.
In addition to no annual fees, there are no late fees and you don’t face a penalty APR when you happen to miss the payment due date.
Unfortunately, the standard fees for balance transfers, cash advances and foreign transactions do apply.
Noteworthy card features:
- No annual fee
- No late fees
- No penalty rate
- Speak directly to a representative 24/7
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