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Get a 0% intro APR on balance transfers and purchases for 18 months when you sign up for the Citi Simplicity Visa. Balance transfers do charge a 3% transfer fee (or $5, whichever is greater), which is reasonable for this kind of offer. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. There are no late fees and no annual fee. Note: If you are paying off a credit card debt or making a big ticket purchase, this card can save you a considerable amount of interest. Annualized over 18 months, the 3% fee at 0% interest works out to around 2%, which is a big difference from normal credit card rates.