Citi Simplicity® Credit Card

The Citi Simplicity Credit Card is a Mastercard with no annual fee, no late fees, and no penalty rate, offering a 0% introductory APR on purchases and balance transfers for 18 months.

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Current terms

The numbers

Term	Value	Checked
Annual fee	$0	Checked 29 Aug · at the bank
Intro APR	0% for 18 months on purchases and balance transfers from date of account opening	Checked 29 Aug · at the bank
Purchase APR	17.49% - 28.24%	Checked 29 Aug · at the bank
Foreign transaction fee	3% of the U.S. dollar amount of each purchase	Checked 29 Aug · at the bank

Peru hits two extremes in the best way. Lima is one of the great food cities on earth, packed with coastal ceviche counters and world-renowned tasting menus. Inland, Cusco and the Sacred Valley give you ancient stone ruins and high-altitude mountain trails. The dry season runs from May through September, which means crisp blue skies for hiking, but it also brings peak crowds.

A typical two-week run lands around $2,200 once you factor in flights, trail permits, and a few memorable dinners. Instead of draining savings upfront, you can spread the total cost across a year and a half without paying interest.

Keep in mind that an intro period is a hard deadline, not free money. If you still carry a balance after the 18 months end, the card's standard variable rate applies to whatever is left, so treat that monthly $122.22 payment as a fixed bill.