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Best Credit Card

Citi Simplicity

WHY WE CHOSE THIS CARD

This card gives you 18 months to pay off balance transfers, which is one of the longest 0% balance transfer APR offers on the market right now. Long 0% APR periods spread out the financial burden of debt repayment while cutting interest costs. Plus, you’ll have four months after opening an account to take advantage of the balance transfer promotion, which is longer than some similar cards offer. That gives you time to strategize your debt repayment plan.

Pros

  • No annual fee
  • Offers 18 months to pay off balance transfers at 0% APR
  • No fees or penalty APR for late payments

Cons

  • Ongoing APR may be quite high compared to the competition
  • Foreign transaction fee makes using the card abroad more costly

HIGHLIGHTS

  • No late fees.
  • No penalty rate.
  • No annual fee.
  • Plus, get a low intro APR for 18 months on balance transfers and purchases.

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