![]() ![]() With nearly two years, you can benefit from more time to pay off transfers compared to cards that have shorter 6-, 12- and 15-month time periods. Who's this for? The Citi Simplicity® Card offers one of the longest balance transfer periods at 0% for the first 21 months from date of first transfer (after, 18.99% - 29.74% variable APR), beating out many other balance transfer cards. After that, your fee will be 5% of each transfer (minimum $5). Take note, there's an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. The Rewards+ Card also offers no interest for the first 15 months from account opening on purchases and no interest for 15 months on balance transfers from date of first transfer (after, 18.49% - 28.49% variable APR). While you can earn a higher rewards rate on purchases with the Double Cash Card, you won't receive the "round up" perk or a 10% bonus on point redemptions. For instance, if you redeem 50,000 points in a year, you get 5,000 of those points back, which is enough for a $50 gift card.Ĭardholders earn 2X ThankYou® points at supermarkets and gas stations for the first $6,000 per year and then 1X points thereafter. The Citi Rewards+® Card also provides another great way to maximize rewards by giving you 10% of your points back for the first 100,000 ThankYou® Points you redeem per year. That means a $1 bag of chips earns 10 points, compared to only earning one point without this benefit. ![]() This card benefits people who frequently make small purchases with its "round up" feature that automatically rounds up to the nearest 10 points on every purchase - with no cap. Who's this for? Many of the best no-annual-fee cards offer unique rewards programs and the Citi Rewards+® Card is a great example. Investing +More All Investing Best IRA Accounts Best Roth IRA Accounts Best Investing Apps Best Free Stock Trading Platforms Best Robo-Advisors Index Funds Mutual Funds ETFs Bonds Help for Low Credit Scores +More All Help for Low Credit Scores Best Credit Cards for Bad Credit Best Personal Loans for Bad Credit Best Debt Consolidation Loans for Bad Credit Personal Loans if You Don't Have Credit Best Credit Cards for Building Credit Personal Loans for 580 Credit Score Lower Personal Loans for 670 Credit Score or Lower Best Mortgages for Bad Credit Best Hardship Loans How to Boost Your Credit Score Taxes +More All Taxes Best Tax Software Best Tax Software for Small Businesses Tax Refunds Small Business +More All Small Business Best Small Business Savings Accounts Best Small Business Checking Accounts Best Credit Cards for Small Business Best Small Business Loans Best Tax Software for Small Business Personal Finance +More All Personal Finance Best Budgeting Apps Best Expense Tracker Apps Best Money Transfer Apps Best Resale Apps and Sites Buy Now Pay Later (BNPL) Apps Best Debt Relief Best Mortgages for Average Credit Score.Best Loans to Refinance Credit Card Debt.
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