Citi Simplicityฎ Card - 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. No late fees EVER. No penalty rate EVER. No annual fee EVER. Save time when you call with fast, personal help, 24 hours a day.