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Visa® Black Card and Citi Simplicity® Card

	Visa® Black Card	Official Card Name	Citi Simplicity® Card
		Provider	CitiBank
		Brand	MasterCard
		Annual Fee	$0*
		Introductory Rate	0%*
		Length of Intro Period	18 Mo.*
		Go To Rate (After Intro)	12.99% - 21.99%* (Variable)
		Balance Transfer Available	Yes
Excellent		Credit Level Required	Excellent
		Bullet Points: 1	0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
		2	There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
		3	No late fees - EVER
		4	No penalty rate - EVER
		5	No annual fee - EVER

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