It's official: now avoid credit card interest into 2024

Key Facts

- Choose your payment due date * No late fees & $0 annual fee Simply put, if you're looking to avoid credit card interest on balance transfers for the longest time possible, it's hard to beat this card.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges WHAT I LIKE ABOUT CITI® SIMPLICITY® CARD 0% introductory APR for 21 months on balance transfers: One of the longest introductory periods on balance transfers we've come across, you'll get a 0% intro APR on the balance transferred for a full 21 months, which means you’ll have almost two years to pay off your balance.
While you should always pay your bill on time, because late payments can still affect your credit, it's nice to know that you won't be charged if you do slip up and miss a payment.
We haven't found a card that offers a longer period to pay intro 0% interest on balance transfers with the added benefits of no late fees, flexible payment date, and no penalty APR Citi® Simplicity® offers.