It's official: now avoid credit card interest into 2024

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

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.

On Citi's Secure Website.

On Citi's Secure Website.

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.

On Citi's Secure Website.

0% intro APR for 18 months on Balance Transfers is one of the longest interest-free periods available today.

Purchases: 0%, 18 months on Purchases

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.

On Citi's Secure Website.

On Citi's Secure Website.

On Citi's Secure Website.

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.

On Citi's Secure Website.

0% intro APR for 18 months on Balance Transfers is one of the longest interest-free periods available today.

Purchases: 0%, 18 months on Purchases

Balance Transfers: 0%, 18 months on Balance Transfers

We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.