The Citi Simplicity Visa has no late fees, no penalty rate, and no annual fee ever. It also has a 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness. There's a 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness. If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. You can also set your own bill date to make bill paying easier.