Citi Simplicity Card
By Doresa Banning
The Citi Simplicity Card gets it name for being a simple, easy-to-use credit card. In other words, it doesn't have a rewards program or lots of extras. The trade off is a lower APR when compared to many of the perk-filled cards on the market. Also attractive is its long 0 percent introductory APR on purchases for 18 months and 0 percent introductory APR on balance transfers for 18 months. Also included with this offer is direct access to a service representative, no late fees ever, no penalty rate ever and no annual fee ever. Keep in mind there is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.