0% introductory APR for 12 months on Purchases: You'll also get 0% intro APR for the first 12 months on Purchases. The card lets you choose from any available payment date, whether it's in the beginning, middle, or end of the month. No penalty APR: If you miss some payments, most credit cards will increase your interest rate to their penalty APR. The Citi Simplicity® Card never charges a penalty rate, so your APR isn't at risk of increasing due to late payments. No annual fee: This card comes with no annual fee, which is an important feature if your goal is to pay off debt.