0% Introductory Rate Credit Cards

1. Citi Simplicity® Card

Great for a long balance transfer offer

No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, 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
Rates and fees

Intro Purchase APR	Regular Purchase APR	Intro Balance Transfer APR	Regular Balance Transfer APR	Annual Fee	Minimum Credit Needed^†
12 Months
0% for 12 Months	18.49% - 29.24%* Variable	0% for 21 Months	18.49% - 29.24%* Variable	$0	GOOD^†
{%%PURCHASE_INTRO_MODIFIER%%}	Variable		Variable

Great for a long balance transfer offer

0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
Rates and fees

Intro Purchase APR	Regular Purchase APR	Intro Balance Transfer APR	Regular Balance Transfer APR	Annual Fee	Minimum Credit Needed^†
12 Months
0% for 12 months	17.49% - 28.24%* Variable	0% for 21 months	17.49% - 28.24%* Variable	$0	GOOD^†
{%%PURCHASE_INTRO_MODIFIER%%}	Variable		Variable

Great for smaller purchases

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.99% - 27.99%, based on your creditworthiness. 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).
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
No Annual Fee
Rates and fees

Intro Purchase APR	Regular Purchase APR	Intro Balance Transfer APR	Regular Balance Transfer APR	Annual Fee	Minimum Credit Needed^†
15 Months
0% for 15 Months	17.99% - 27.99%* Variable	0% for 15 Months	17.99% - 27.99%* Variable	$0	GOOD^†
{%%PURCHASE_INTRO_MODIFIER%%}	Variable		Variable

Great for business bonus rewards

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC

Intro Purchase APR	Regular Purchase APR	Intro Balance Transfer APR	Regular Balance Transfer APR	Annual Fee	Minimum Credit Needed^†
12 Months
0% Intro APR on Purchases for 12 months	17.74% - 25.74%* Variable	N/A	17.74% - 25.74%* Variable	$0	GOOD^†
{%%PURCHASE_INTRO_MODIFIER%%}	Variable		Variable

Great for gas and grocery rewards

Earn 5,000 bonus points after spending $500 in the first 3 months of account opening, redeemable for $50 in gift cards or travel rewards at thankyou.com.
Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Rewards+® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Rewards+ account.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
Earn 5X total ThankYou® Points on hotels, car rentals and attractions booked on the Citi TravelSM portal through 12/31/2025.
The variable APR for purchases and balance transfers is 18.99% - 28.99%, based on your creditworthiness.
Rates and fees

Intro Purchase APR	Regular Purchase APR	Intro Balance Transfer APR	Regular Balance Transfer APR	Annual Fee	Minimum Credit Needed^†

N/A	18.99% - 28.99%* Variable	N/A	18.99% - 28.99%* Variable	$0	GOOD^†
{%%PURCHASE_INTRO_MODIFIER%%}	Variable		Variable