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It’s also a good choice if you’re carrying balances on high-interest credit cards and are looking for a solution to pay them down interest-free.

Plus, Citi Simplicity is available to those with just good credit and has no annual fee, no late fees and no penalty rates.

Do you need to make a large purchase, but are worried about being able to pay it off in a timely manner?

Or are you already paying interest on credit card balances that you can’t pay off right away?

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World travelers can relax, as Citi Simplicity’s chip-enabled card means it will be accepted outside the U. Embedded EMT technology is typically mandatory in international countries, and the fact that Citi Simplicity provides it means you can make purchases knowing your card will be accepted.

If you travel internationally, Citi Simplicity does feature EMT technology but you will be charged a 3% foreign transaction fee.

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