RESOLVING THE LEDGER
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Pay No Interest for 18 Months — A Simple Way to Get Out of Credit Card Debt Faster Last Updated: Aug. 28, 2026
If you're carrying credit card debt — or expecting upcoming expenses — interest can make it harder to get ahead.
The Citi Simplicity® Card gives you a clear window to reset.
With no interest for 18 months on both balance transfers and purchases, you can focus on paying down what you owe or covering new expenses without interest piling up.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor 4.90 out of 5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
0% intro APR for 18 months on Balance Transfers is one of the longest interest-free periods available today.
Balance Transfers: 0%, 18 months on Balance Transfers
Applicants with a good to excellent credit score (670+) typically have the best odds of approval.
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)
That lower 3% intro fee can reduce your upfront cost compared to cards that charge 5% from the start.
If you want flexibility — whether that’s paying down debt, managing new expenses, or both — this card gives you a defined window to do it without interest.
With 18 months of 0% intro APR on both balance transfers and purchases, you can choose how to use it based on what you need most right now.
You won’t even pay an annual fee to hold the card, and applying takes just a few minutes from your phone or computer.
But don’t wait too long — we often see 0% intro APR periods get cut without notice, so it’s smart to act while this one’s still available.
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