Citi Simplicity: 0% APR for 18 months
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Get a 0% interest rate on purchases and balance transfers for 18 months via the Citi Simplicity MasterCard. This is ideal is you are working your way towards the end of credit card debt or considering a big ticket purchase. There is no annual fee but there is a balance transfer fee of 3%, which is fairly standard for this type of offer. Annualized over 18 months the 3% fee plus the 0% rate works out to about 2%, which is a big difference if you're paying high interest right now!