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If you're looking for a no-frills credit card focused on helping you manage your debt, the Citi Simplicity® Card delivers exactly that. With an introductory 0% APR for 21 months on balance transfers — one of the longest in the industry — and 12 months on purchases, it’s designed to give you time and breathing room.

Beyond the APR benefits, the Citi Simplicity stands out by never charging late fees or penalty interest, making it one of the most forgiving cards on the market. Whether you’re consolidating debt or want a safety net for emergencies, this card helps you avoid costly missteps.

Simplicity is more than a name — it's a philosophy. You won't earn rewards or perks, but you'll gain peace of mind and straightforward terms. Ideal for those focused on smart budgeting and responsible debt payoff.

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