Citi Simplicity
No annual fee · terms checked Oct 6, 2026
84/100
Cost49.1 / 60
Late rules10 / 10
Payoff room15 / 20
Setup10 / 10
Fits: A fixed payoff plan fits the promotional period and available approved limit.
Mind: Financing-only score; approval, transfer capacity and future personal APR are not predicted.
Financing test · method julia_wallet_score/3 · scored Oct 6, 2026 · how the Wallet Score worksThe terms the test used
Months of 0% on purchases18
Months of 0% on balance transfers18
Balance transfer fee (%)3
Balance transfer fee, minimum ($)5
Days to make the transfer120
Largest late fee ($)0
Penalty APR appliesNo
Run your own numbers
Sources and dates
The issuer’s own pages, read Oct 6, 2026. Terms change; the editorial policy says how often they are re-checked.