0% intro APR until late 2023 is 100% insane

Key Facts

Our expert's summary: * 0% intro APR on balance transfers for up to 21 months.
- 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.
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.