Best For
Rewards Rate - None
$275 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- Long 0% intro APR on purchases and balance transfers (offer varies)
- Annual fee
- $0
- Regular APR
- Variable APR after intro period
- Recommended credit
- 660–780 (Fair to Good)
- Travel Perks
- None
Highlights
- No late fees and no penalty APR—ever.
- Long 0% intro APR on balance transfers and purchases (variable APR thereafter).
- Flexible payment due date and 24/7 customer service.
Who is this card good for?
- People who want maximum flexibility and forgiveness on due dates.
- Users moving balances or financing a large purchase at 0% intro APR.
- Anyone who prefers a clean, no‑fee structure.
Pointalize Opinion
Pros
- No late fees and no penalty APR are rare perks.
- Lengthy 0% intro APR window for transfers and purchases.
- $0 annual fee.
Cons
- No rewards program for everyday spend.
- Balance transfer fees still apply; check terms.
Pointalize Final Thoughts
True to its name, Simplicity keeps things simple: forgiving terms and strong 0% intro APRs without gotchas—ideal for financing or debt payoff.