Citi · US · balance transfer
Citi Simplicity
medium confidence
Annual fee$0
Foreign txn fee3%
Reddit's take4.0 / 5from 1 anecdotes
Credit neededgood
How you earn: No late fee / no penalty APR; long 0% intro windows when offered.
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In their own words
“The Wells Fargo Reflect, Citi Diamond Preferred, and the Citi Simplicity cards.”
Related cards
Where this comes from
Not financial advice. Verify terms on the issuer site before applying; subject to credit approval. Blank fields are shown as “—” and never inferred. Community anecdotes are a self-selected Reddit sample, not a representative rating.How we source data