The Citi Simplicity® Card has one of the most sought for features on the market: it charges no annual fee. Plus, there are no late fees. These features are key to this card, but cardholders may incur other fees depending on their activity. For example, there is a balance transfer fee of 3% or $5 (whichever is greater). There is also a cash advance fee in case you decide to withdraw money using your credit card. The card also comes with a foreign transaction fee of 3%. You can find complete information about this card’s fees in the documentation that accompanies it.

The Citi Simplicity® Card helps cardholders keep things simple so that they can spend their time enjoying the more important things in life. With that aim, the card offers $0 late fees, no penalty rate or annual fee. This is a permanent feature of the card. You will never have to pay for any of these fees. Also, the card offers flexible payment due date, round-the-clock customer support directly with a company representative, and $0 liability on unauthorized charges.

First, in order to get approved you must have a good to excellent credit score. This generally means a credit score of between 690 and 850. If you have that, you qualify. Then you must go to Citi’s website, locate the offer, and apply for it providing all the required information. The information includes your Social Security Number so that the company can verify your identity and access your financial information.

The 21-month-long 0% intro APR period gives you a window of time in which you must strive to pay off any existing balance. Once that period is over, you will start paying the card’s variable APR which ranges from 16.99% to 27.74%.