citi simplicity card no late fees

After the intro, the ongoing APR will be 13.74% - 23.74% Variable. No annual fee; Free access to FICO® scores. Best For: Consumers with credit. With no penalty APR, late fees or annual fees, the Citi Simplicity card is a relatively low cost option. Monthly payments will not exceed $20 per $1000 spent (e.g., $160 per month for an $8000 purchase). APR fixed for the life of the loan. No down payment. Not. citi simplicity card no late fees

Citi simplicity card no late fees -

0%

Intro purchase APR

for the first 12 months (then 14.74% to 24.74% variable)

0%

Intro balance transfer

for the first 21 months (then 14.74% to 24.74% variable)

14.74% to 24.74%

Balance transfer APR (variable)

Details

Annual fee$0
Welcome offerN/A
RewardsN/A
Purchase APR0% intro for the first 12 months (then 14.74% to 24.74% variable)
Balance transfer APR0% intro for the first 21 months (then 14.74% to 24.74% variable)
Minimum Credit Score670
IssuerMastercard
Balance transfer feeBalance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Cash advance rate25.24% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 23 days
Returned payment feeUp to $40
Additional cardholder fee$0
Security depositN/A
Minimum Interest$0.50
Avatar

Review by

Kevin Joey Chen

kevin.chen@findercrew.com

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

The Citi Simplicity® Card’s key feature is its terrific 0% intro APR on balance transfers for the first 21 months after account opening, then 14.74% to 24.74% variable.

On the downside, the card’s 0% intro APR on purchases isn’t as robust: It’s 12 months long, after which your APR will be 14.74% to 24.74% variable. This means the Citi Simplicity® Card isn’t as balanced as competitors that offer 18-month intro APRs on both purchases and balance transfers.

The Citi Simplicity® Card is also somewhat one-dimensional: the card lacks any sort of rewards on purchases and chooses to focus entirely on its introductory APR offers. Meanwhile, other cards on the market — including the Citi Double Cash — offer strong combinations of intro APRs on top of rewards. Sure, they offer shorter promotional interest periods, but you might find the kickback on purchases a worthy consolation, especially since cards with rewards will still be valuable after their intro APRs expire.

Ultimately, if you want a well-rounded card that does it all, you’ll want to look elsewhere. But, if you’re looking for a top of class intro APR on balance transfers, the Citi Simplicity® Card is more than worth considering among the competition.

Here’s how to apply for the Citi Simplicity® Card:

  1. Click Apply now.
  2. Complete the application form with information like your name, date of birth, Social Security number, total annual income and monthly mortgage or rent payment.
  3. Review your information. Then, select Agree and submit to complete your application.
  • Introductory APR on balance transfers. Get 0% intro APR on balance transfers for 21 months months after account opening, then 14.74% to 24.74% variable. Citi is consistently strong in balance transfer intro APRs, and the Citi Simplicity® Card is one reason why — the average good intro APR length is around 15 months. If you’re approved for the Citi Simplicity® Card, consider marking the last day to qualify for the balance transfer intro APR on your calendar: it’s four months after account opening. Allow for plenty of time for each transfer to process, keeping in mind this can easily take 14 days or more.
  • Introductory APR on purchases. Get 0% intro APR on purchases for 12 months after account opening, then 14.74% to 24.74% variable. While it’s a shame this doesn’t match the length of the balance transfer offer, this is still a solid deal consider the upper period limit on a purchase APR is typically 18 months. If you manage to pay off your balance transfer quickly enough, you can take advantage of this intro offer to continue to save on interest.
  • No annual fee. You won’t pay an annual fee to use this card.
  • No late fees. This is an uncommon benefit among card providers, and most providers are usually adamant about charging these fees — even Citi itself.
  • No rewards. This card is strictly an intro APR credit card. You have no option to earn rewards like cash back, points or miles.
  • You’ll still pay balance transfer fees. For each balance transfer, you’ll pay the greater of $5 or 5%.

The Citi Simplicity® Card has a $0 annual fee and a market-leading balance transfer intro APR. But there’s one thing you can’t get around: the balance transfer fee.

This will set you back the greater of $5 or 5% of each transfer. This percentage is on the high side, as some card providers charge just 3%.

Here are examples of the fees you’ll pay with the Citi Simplicity® Card versus other credit cards:

Citi Simplicity® Card — 5% balance transfer fee$50$250$500
A credit card with a 3% balance transfer fee$30$150$300

If you’re trying to figure out whether you’d be better served with a card with a long intro APR or one with no balance transfer fees, use our balance transfer calculator to see how much you’ll save.

The Citi Simplicity® Card‘s closest competition are cards that offer at least 18-month intro APRs. Here’s a look at the Citi Simplicity and two competitors side-by-side.

Citi Simplicity® Card

Citi Simplicity® Card logo

★★★★★

Finder Rating: 4.4 / 5

Go to site

Minimum credit score

670

Annual fee

$0

Purchase APR

0% intro for the first 12 months (then 14.74% to 24.74% variable)

Balance transfer APR

0% intro for the first 21 months (then 14.74% to 24.74% variable)

Rewards

N/A

Welcome offer

N/A

Wells Fargo Platinum Card

Wells Fargo Platinum Card logo

★★★★★

Finder Rating: 4.5 / 5

Find out more

Minimum credit score

670

Annual fee

$0

Purchase APR

0% intro for the first 18 months (then 16.49% to 24.49% variable)

Balance transfer APR

0% intro for the first 18 months (then 16.49% to 24.49% variable)

Rewards

N/A

Welcome offer

N/A

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card logo

★★★★★

Finder Rating: 4.8 / 5

Terms apply, see rates & fees
Find out more

Minimum credit score

740

Annual fee

$0

Purchase APR

0% intro for the first 20 months (then 14.49% to 24.49% variable)

Balance transfer APR

0% intro for the first 20 months (then 14.49% to 24.49% variable)

Rewards

N/A

Welcome offer

N/A

While the Citi Simplicity® Card is the winner for balance transfer intro APR, its competitors offer much better intro APRs on purchases.

If you’ve squeezed all you can out of your intro APR and you’re now thinking about closing your card, there may be another option available. Instead of closing your card and taking a hit to your average account age, consider asking Citi for a product change. Here’s what to request one.

  1. Take your time to browse Citi credit cards. Then pick the one that best aligns with your current needs.
  2. Call Citi support and request a product change to the card you’ve selected. You can ask the representative about annual fees and other features for the new card.

You won’t be able to transfer your existing Citi balance to your new Citi card. However, your new card can give you perks you couldn’t get with the Citi Simplicity® Card, such as rewards or travel credits. Importantly, while Citi is usually very accommodating with product changes, users have reported mixed results getting a product change from the Citi Simplicity® Card. Your mileage may vary.

Citi has the longest intro APR period on balance transfers and is the go-to pick for anyone that needs plenty of time to pay off a debt. Still, there are a few reasons you might want to go with a different card.

  • You want rewards and an intro APR. The Citi® Double Cash Card offers a balance transfer intro APR that’s almost as good: 0% for 18 months, then 13.99% to 23.99% variable. The key difference is you’ll earn fantastic flat-rate rewards for a no-annual-fee card: 1% cash back on all purchases and another 1% as you pay them off. Also, consider cards like the Chase Freedom Unlimited®, which offer the formidable combo of flat-rate cash back as well as an intro APR on purchases.
  • You don’t want to pay balance transfer fees. Some cards offer promotional $0 fees on balance transfers, along with intro APRs and $0 annual fees. Depending on how much you need to transfer, a balance transfer fee can carry a significant cost.
  • You don’t need 21 months on the offer. If you think you can pay off your debt in less than 21 months, a card with a shorter intro offer but other perks or features might prove more valuable.

If you’re interested in how the Citi Simplicity stacks up to the competition, select up to four cards and choose Compare to see their features side-by-side.

Citi has been in business for more than 200 years, but it was never accredited by the Better Business Bureau (BBB). As of October 2021, more than 200 customer complaints on the BBB site give the bank a score of 1 out of 5. And because Citi failed to resolve customer complaints on the site, BBB has rated the bank with the lowest F rating. Citi is rated slightly higher at 1.8 out of 5 on Trustpilot, where customers mostly complain about poor customer service.

Источник: https://www.finder.com/citi-simplicity-card

Citi Simplicity Credit Card 2021 Review

Citi Simplicity® Card vs. Chase Freedom Flex℠

The Chase Freedom Flex card offers an impressive 5% cash back on up to $1,500 in purchases in rotating quarterly bonus categories when activated. Additionally, cardholders get 5% cash back on travel purchases made through the Chase Ultimate Rewards portal, 3% cash back on dining at restaurants and drugstore purchases, and 1% cash back on all other purchases.

The Chase Freedom Flex has no annual fee and offers a 0% Intro APR on Purchases for 15 months; however, the introductory APR does not apply to balance transfers. After the introductory period, the variable APR ranges between 14.99% - 24.74% Variable.

For those looking for an everyday purchases card with a 0% introductory APR on purchases and an attractive rewards program, Chase Freedom Flex is an excellent choice. Citi Simplicity remains a better choice as a balance transfer card.

Citi Simplicity® Card vs. Amex EveryDay® Credit Card*

The American Express EveryDay Card functions exactly as it’s name suggests: It earns cash back on everyday purchases with 2 Membership Rewards points per dollar at US supermarkets on up to $6,000 per year in purchases (then 1X), 2 points per dollar when using the card to book trips through American Express Travel and 1 point for every eligible dollar on everything else. Plus, use the card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases. Additionally, the card offers a welcome bonus: 10,000 Membership Rewards Points after spending $1,000 in qualifying purchases within the first 3 months of card membership.

The Amex Everyday card also has no annual fee and offers a 0% Intro APR on purchases for 15 months, then a standard APR of 12.99% - 23.99% Variable APR on purchases applies. An excellent card for everyday purchases, the card isn’t an ideal choice for someone that is interested in balance transfers. For those, Citi Simplicity still wins.

Citi Simplicity® Card vs. Wells Fargo Reflect℠ Card

The Wells Fargo Reflect℠ Card charges no annual fee and offers 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. An extension of up to 3 months of additional introductory APR will be apply with on-time minimum payments during the introductory and extension periods. An introductory balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening applies. After that, up to 5% for each balance transfer, with a minimum of $5.

The card does offer up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card. There is a  $25 deductible when making a claim, and cardholders can make two claims per year.

 

Источник: https://www.forbes.com/advisor/credit-cards/reviews/citi-simplicity-credit-card/

Citi Simplicity® Card Review – Great Card for Balance Transfers

The Citi Simplicity® Card really lives up to its name. This straight-shooting credit card has one of the longest introductory 0% APR balance transfer promotions in the business (after which variable regular APR applies). Plus, while it doesn’t have an unusually low APR once the introductory period ends, Citi Simplicity’s lack of penalty fees and interest charges is great for cardholders who occasionally slip up.

Citi Simplicity is comparable to other no-frills cards with favorable rates and terms, along with entry-level cash back credit cards with long intro APR deals. However, with no rewards program, it’s not appropriate for consumers seeking active returns on spending.

Key Features

The key features of the Citi Simplicity card include long 0% APR promotions on purchases and balance transfers and reasonable fees.

Introductory APR

Citi Simplicity has an 21-month 0% APR promotion for balance transfers, beginning from the date of first transfer. Qualifying balance transfers must be made within 4 months of account opening.

Citi Simplicity also has an 12-month 0% APR promotion for purchases, beginning from your account opening date.

Following the end of the introductory promotional periods, variable regular purchase and balance transfer APR applies, depending on your creditworthiness.

Important Fees

There is never an annual fee or late payment fee. The foreign transaction fee is a flat 3%. Balance transfers cost the greater of $5 or 5% of the transferred amount, while cash advances cost the greater of $10 or 5%.

Credit Required

This card requires good to excellent credit. If you have any notable dings on your credit record, you may not qualify.

Advantages

Citi Simplicity’s advantages include its total lack of an annual fee and its attractive introductory APR promotion for purchases and balance transfers.

  1. No Annual Fee. Citi Simplicity doesn’t have an annual fee, ensuring that cardholders attracted by this card’s super-long introductory promotion aren’t shortchanged by an ongoing assessment.
  2. Very Long 0% APR Introductory Promotion for Balance Transfers. Citi Simplicity has one of the longest 0% APR balance transfer promotions around. That makes it hard to beat for consumers who wish to transfer high-interest balances and pay down debt faster. Following the end of the introductory promotional period, the regular balance transfer APR applies, depending on your creditworthiness.
  3. Long 0% APR Introductory Promotion for Purchases. Citi Simplicity’s 0% APR purchase promotion lasts 12 months from your account opening date. That may be enough time to pay off large purchases in full – which you’ll want to do to avoid interest charges. Following the end of the introductory promotional period, the regular purchase APR applies, depending on your creditworthiness.
  4. No Penalty APR or Late Fees. Citi Simplicity never charges late payment fees or penalty interest. This is a huge benefit for cardholders who occasionally miss payments.

Disadvantages

Citi Simplicity has some notable downsides that you’ll want to consider before applying.

  1. No Sign-up Bonus. This card doesn’t have a sign-up bonus – a significant drawback next to fellow cards with attractive intro APR promotions.
  2. No Rewards. Citi Simplicity doesn’t have a rewards program. If a great promotional APR deal is your primary motivator, that probably won’t be a deal-breaker. However, if you value both rewards and promotional rates, consider American Express Blue Cash Everyday instead.
  3. Has a Foreign Transaction Fee. This card’s 3% foreign transaction fee increases the cost of venturing out of the United States – a cost that can really add up if you travel often. Alternatives such as Capital One Quicksilver lack foreign transaction fees.
  4. Fairly Strict Underwriting Requirements. Citi Simplicity requires good to excellent credit. If you’re carrying high-interest balances on an existing credit card account, it’s entirely possible that your credit won’t be good enough to qualify for Simplicity.

Final Word

The Citi Simplicity® Card holds applicants to pretty high credit standards. But those fortunate enough to qualify for this card are handed a rare opportunity: the ability to transfer high-interest balances from other cards and pay no interest for 21 months. If you’ve taken the trouble to research and apply for Citi Simplicity, chances are good that you already know how you’re going to use it.

Источник: https://www.moneycrashers.com/citi-simplicity-card-review/

DISCOVER IT® CASH BACK CREDIT CARD

You earn cash back, we match it all your first year

Discover offers this cash rewards credit card and matches all the cash back you’ve earned at the end of your first year.1

No annual fee

* Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

There’s no annual fee for your Discover it® Cash Back credit card. Not now. And not hiding a year from now.

Discover it® Cash Back Credit Card

Why Discover it ® Cash Back rewards credit card?

Five Percentage

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,9 grocery stores, restaurants, gas stations and when you pay using PayPal,16 up to the quarterly maximum when you activate.

One Percentage

Earn 1% cash back on all other purchases – automatically.  

2x cash back

With Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.1

Get 5% cash back rewards at select places throughout the year

5% at Amazon.com, Walmart.com and Target.com

on up to $1,500 in purchases when you activate.2

5% at Grocery Stores and Fitness Club & Gym Memberships

on up to $1,500 in purchases when you activate. Excludes Walmart and Target purchases.3

5% at Gas Stations and Target

on up to $1,500 in purchases when you activate.4

5% at Restaurants and PayPal

on up to $1,500 in purchases when you activate.5

5% at Amazon.com and Digital Wallets

on up to $1,500 in purchases when you activate. 6

99% nationwide acceptance — Discover is accepted by 99% of the places across the country that take credit cards.7

No annual fee

* Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until . Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

The security you expect from Discover

Activate Social Security Alerts and Discover will send you an alert if your Social Security number is found on any Dark Web sites.

Activate free Social Security Number Alerts

Activate and we’ll send you an alert if your Social Security number is found on any of thousands of Dark Web sites.11

Источник: https://www.discover.com/credit-cards/cash-back/it-card.html

Credit card late fees can cost up to $40—here are the best cards that don't charge them

Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners.

If you've ever missed a credit card bill payment, you may worry that a late fee is heading your way. Credit card late fees can cost up to $40 and put a serious dent in your wallet if you make a habit of paying past the due date. The exact time a credit card payment is considered late varies, but payments are due the same day and time every month, usually by 5 p.m. (but sometimes later).

Late fees are completely avoidable if you pay your bill on time, whether it's manually or through autopay. But if you're facing financial hardship due to the coronavirus or sometimes forget to pay your bill, there are credit cards with no late fees. Some cards may have no late fees whatsoever, while other cards may waive your first late fee.

Below, Select breaks down what credit cards have no late fees, so you can have some peace of mind that you won't incur a fee as high as $40 for late payments.

Best credit cards with no late fees

Credit cards that have no late fees whatsoever

The cards listed below have no late fees whatsoever and also do away with many other fees that are characteristic of other credit cards. All of the cards mentioned have no annual fee and some also have no foreign transaction fees and no penalty APR (which means if you pay late, your interest rate won't spike).

Citi Simplicity® Card

  • Rewards

    None

  • Welcome bonus

    None

  • Annual fee

    $0

  • Intro APR

    0% for 21 months on balance transfers; 0% for 12 months on purchases

  • Regular APR

    14.74% to 24.74% variable

  • Balance transfer fee

    5% of each balance transfer; $5 minimum

  • Foreign transaction fee

    3%

  • Credit needed

    Excellent/Good

See our methodology, terms apply.

Pros

  • No annual fee
  • Balances can be transferred within 4 months from account opening
  • One of the longest intro periods for balance transfers

Cons

  • 3% foreign transaction fee
  • No rewards program

Apple Card

Information about the Apple Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    3% cash back on goods or services purchased directly from Apple (including Apple retail stores, the Apple online store, the App Store, iTunes, Apple Music and other Apple-owned properties) on Uber and UberEats, at Walgreens and Duane Reade stores, on the Walgreens app and on Walgreens.com, in T-Mobile stores, at Nike, at Exxon and Mobil stations and at Panera Bread, 2% cash back on Apple Pay purchases and 1% cash back on all other purchases

  • Welcome bonus

    None

  • Annual fee

    $0

  • Intro APR

    None

  • Regular APR

    10.99% to 21.99% variable

  • Balance transfer fee

    None

  • Foreign transaction fee

    None

  • Credit needed

    N/A

See our methodology, terms apply.

Pros

  • No annual fee
  • 3% cash back on goods or services purchased directly from Apple, on Uber and UberEats, at Walgreens and Duane Reade stores, on the Walgreens app and on Walgreens.com and in T-Mobile stores and at Nike
  • No fee charged on purchases made outside the U.S.
  • No late payment fee

Cons

  • Apple Pay isn’t accepted everywhere
  • Purchases with the physical card only earn 1% cash back
  • No special financing offers or welcome bonus
  • Estimated rewards earned after 1 year: $231
  • Estimated rewards earned after 5 years: $1,156

To calculate the rewards you could earn using your Apple Pay card, we assumed that cardholders will use Apple Pay for 70% of their purchases at a rate of 2% cash back, since 70% of all merchants accept Apple Pay, according to an Apple spokesperson. We also assumed the cardholder would use the physical Apple Card for the other 30% of their purchases at a rate of 1% cash back. You may earn a higher or lower return depending on your spending habits.

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

  • Rewards

    1% cash back on eligible purchases right away and up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments; 2% to 10% cash back at select merchants

  • Welcome bonus

    None

  • Annual fee

    $0

  • Intro APR

    None

  • Regular APR

    12.99% - 26.99% variable

  • Balance transfer fee

    None

  • Foreign transaction fee

    None

  • Credit needed

    Fair, Good, No Credit

See our methodology, terms apply.

Pros

  • No credit history required (if you do have a credit history, that does factor into the credit decision)
  • No fees whatsoever
  • 1% cash back on eligible purchases right away and up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments; 2% to 10% cash back at select merchants
  • Credit limits range from $300 to $10,000

Cons

  • Card isn't for rebuilding credit, but it's good for building credit
  • No special financing offers
  • No welcome bonus
  • Estimated rewards earned after 1 year: $249
  • Estimated rewards earned after 5 years: $1,577

Credit cards that waive your first late fee

All Discover credit cards waive your first late fee. This one-time fee waiver is a great safety net and should encourage you to make on-time payments. Consider setting up autopay for at least the minimum payment so you can ensure you don't make the same mistake twice. In addition to waiving your first late fee, all Discover cards have no penalty APR and no foreign transaction fees.

Discover it® Cash Back

  • Rewards

    Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

  • Welcome bonus

    Discover will match all the cash back you've earned at the end of your first year.

  • Annual fee

    $0

  • Intro APR

    0% for 14 months on purchases

  • Regular APR

    11.99% - 22.99% Variable

  • Balance transfer fee

    3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

  • Foreign transaction fee

    None

  • Credit needed

    Good / Excellent

*See rates and fees and our methodology, terms apply.

Pros

  • Cash-back program
  • Generous welcome bonus

Cons

  • Cash-back categories must be activated each quarter
  • Cash-back program limits earnings: Enroll every quarter to earn 5% cash back in various categories on up to $1,500 in quarterly purchases, then 1%
  • Estimated rewards earned after 1 year: $707
  • Estimated rewards earned after 5 years: $2,120

Rewards totals incorporate the cash back earned from the welcome bonus

Discover it® Miles

  • Rewards

    Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.

  • Welcome bonus

    Discover will match all the Miles you've earned at the end of your first year.

  • Annual fee

    $0

  • Intro APR

    0% Intro APR for14 months on purchases and 10.99% Intro APR for 14 months on balance transfers

  • Regular APR

    11.99% - 22.99% Variable

  • Balance transfer fee

    3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

  • Foreign transaction fee

    None

  • Credit needed

    Good / Excellent

*See rates and fees and our methodology, terms apply.

Pros

  • Miles program
  • Generous welcome bonus
  • No blackout dates
  • No limit to the amount of miles you can earn and miles never expire

Cons

  • No Global Entry or TSA PreCheck statement credit offerings
  • Travel spending does not receive additional rewards
  • No airport lounge access
  • Estimated rewards earned after 1 year: $664
  • Estimated rewards earned after 5 years: $1,991

Rewards totals incorporate the points earned from the welcome bonus

Discover it® Student Cash Back

  • Rewards

    Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

  • Welcome bonus

    Discover will match all the cash back you've earned at the end of your first year

  • Annual fee

    $0

  • Intro APR

    0% for 6 months on purchases

  • Regular APR

    12.99% - 21.99% Variable

  • Balance transfer fee

    3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

  • Foreign transaction fee

    None

  • Credit needed

    Fair / New to Credit

*See rates and fees and our methodology, terms apply.

Pros

  • Cash-back program
  • Generous welcome bonus

Cons

  • Cash-back categories must be activated each quarter
  • Cash-back program limits earnings: Enroll every quarter to earn 5% cash back in various categories on up to $1,500 in quarterly purchases, then 1%
  • You must be a U.S. citizen and college student to apply for this card

Our methodology

To determine which credit cards offer the best value, Select analyzed popular credit cards available in the U.S. We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.

Select teamed up with location intelligence firm Esri. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. You can read more about their methodology here.

Esri's data team created a sample annual budget of approximately $22,126 in retail spending. The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. All rewards total estimations are net the annual fee.

While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits.

Don't miss: 8 common credit card fees and how to avoid them

Information about the Apple Card has been collected independently by Select and has not been reviewed or provided by the issuers of the cards prior to publication.

Petal 2 Visa Credit Card issued by WebBank, Member FDIC.

For rates and fees of the Discover it® Cash Back, click here.

For rates and fees of the Discover it® Miles, click here.

For rates and fees of the Discover it® Student Cash Back, click here.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
Источник: https://www.cnbc.com/select/best-credit-cards-with-no-late-fees/

Review of the Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card

Citi Simplicity® Card

Annual Fee$0

Welcome Offer 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. (After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.)

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Why We Like ItHighlightsEarning Rates

The Citi Simplicity boasts a long 0% intro APR for balance transfers at 21 months. (After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.)

This card is also among one of the most forgiving products on the market—with no late payment fees or penalty APR rate—if you miss a payment.

  • No Late Fees
  • No Penalty APR Rate
  • No Annual Fee
  • Access to your FICO® Score

This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of best 0% APR credit cards for balance transfers.

The Citi Simplicity® Card once topped the list of cards used to pay down debt or finance more substantial purchases, but the market for balance transfer offers has become increasingly crowded—which is great news for consumers. In this post, we'll cover how the Citi Simplicity stacks up against the competition.

The Citi Simplicity still boasts the longest 0% intro APR for balance transfers at 21 months (then a variable APR of 14.74% - 24.74%). For purchases, you’ll get a 0% intro APR for 12 months (then a variable APR of 14.74% - 24.74%).

While the length of the intro APR period is an important factor, you should always include the balance transfer fee in your calculation. With the Citi Simplicity, the balance transfer fee is a fair bit higher than many of the cards on our list of the best 0% APR credit cards for balance transfers.

With that said, there are still a couple of reasons to consider the Citi Simplicity card:

  1. 0% Intro APR on purchases – While the card doesn’t provide traditional rewards, you can take advantage of the 12 months 0% intro APR on purchases to finance large items that may take a few months to pay off.
  2. Late payment and high-interest relief – The Citi Simplicity is similar to the Get Out of Jail Free card you get from the Community Chest when playing Monopoly; it can get you out of trouble when you run into financial hurdles. If you find yourself struggling with high-interest-credit-card debt, or you have a change of circumstance that affects your ability to pay down your card in full, you can transfer the balance to the Citi Simplicity and have 21 months to pay the debt off before you are required to pay interest.

Citi Simplicity Highlights

The primary benefit on the Citi Simplicity is the intro 0% APR on balance transfers, but that’s also its Achilles heel. Why? Because the fee to transfer the balance into your account is much higher than the industry standard of 3%. Instead, you'll pay 5% of each balance transfer; $5 minimum.

When compared to the leading balance-transfer cards, many of which don’t charge any fee for transfers made soon after opening your account, 5% can really add up. For example, if you have the option to transfer a $5,000 balance to the Citi Simplicity with a 5% balance transfer fee, or to the The Amex EveryDay® Credit Card from American Express which charges $0 in balance transfer fees on transfers made in the first 60 days, you would save $250 choosing the Amex card.

Alternatives to the Citi Simplicity

Looking for the best deal on balance transfers? Catch our detailed breakdown of the best 0% APR credit cards for balance transfers in 2021 and see where the Citi Simplicity fits into the equation.

Final Thoughts

Citi markets the lack of fees and penalty rates for late payments as the primary benefit of the Citi Simplicity. There is no annual fee, and you don’t get charged late payment fees, nor will you pay a penalty APR if you are late paying your account. The card is forgiving in this respect, but it can also help to cement poor fiscal habits that could negatively impact your credit score in the long run.

You should do everything in your power to pay the full balance on your credit cards each month to avoid paying interest on purchases. But, if money is tight and you need time to reset your finances, the Citi Simplicity can help play an active role in your economic recovery.

AwardWallet Tip of The Day

Did you know that for each airline within one of the global alliances you can view the balances across all carriers in this alliance? Click the alliance icon in the list of accounts next to any airline in an alliance to see the details.
Show me how

Источник: https://awardwallet.com/blog/citi-simplicity-card-review/

Citi Simplicity Card is Easy, but not Cheap

On July 25, Citigroup launched a revamped Citi Simplicity credit card, an offer that aims to simplify the fees, rates and rules that create hassles for many cardholders.

The Simplicity card has these key features:

*0% APR for 21 months on balance transfers

*0% APR for 21 months on purchases

*No annual fee

*No late fees

*No penalty rates for late payment

*Single interest rate for all purchases, cash advances and balance transfers

These features make the Citi Simplicity card ideal for people who want more flexibility in payment terms. It's being marketed toward busy people who want more straightforward terms from their credit card. But while it has its perks, Simplicity doesn't come cheap.

The catch

  1. Higher than average APR. Consumers looking for a low interest card will have to look elsewhere. Simplicity's "simple" rate for all purchases, advances and balance transfers is 16.99%--significantly higher than the average consumer non-rewards credit card rate of 14.88% in mid-July, as reported by IndexCreditCards.com.
  2. No rewards. Those who enjoy rewards credit cards will need to look elsewhere.
  3. Excellent credit required. Only customers with excellent credit (720 or higher) will be accepted.

Citi Simplicity card

The primary benefit of the Citi Simplicity card is that it offers less complicated terms than many cards, which could be an attractive prospect to cardholders who have been surprised by unexpected fees or have run afoul of the fine print in their contracts. Citi Simplicity has zero late fees - a feature of only 5% of cards on the market today - and clear terms that Citi claims are easier to read and understand.

The original article can be found at CardRatings.com:Citi Simplicity Card is easy, but not cheap

Источник: https://www.foxbusiness.com/features/citi-simplicity-card-is-easy-but-not-cheap

Citi Simplicity Credit Card Review

Citi Simplicity Credit CardCiti Simplicity Credit Card

Carrying a credit card balance can get expensive if you’re stuck with a high interest rate.

The Citi Simplicity® Card is ideal for anyone who wants to sidestep hefty interest payments while avoiding expensive fees. This card features one of the longest 0% introductory APR deals on the market.

While you won’t earn any miles or reward points with this card, you discover high yield savings rate still use it to put money back in your pocket.

If you’ve been shopping around for a 0% promotion, our review of the is designed just for you.

Citi Simplicity Card Pros & Cons

ProsCons
  • Good for people who are looking to make a big purchase or consolidate debt
  • No annual fee
  • No late fees or penalty APR
  • 0% Intro APR for 21 months
  • No rewards or cash back offers
  • Foreign transaction fees and balance transfer fees

The Best Features of the Citi Simplicity Card

The Citi Simplicity card offers great features that can help someone who might be looking to consolidate debt, or eyeing a big new purchase.

We've broken down the best features of the card:

How the savings can add up with Citi Simplicity

Without a doubt, the main highlight of the Citi Simplicity Card is the length of its 0% introductory period.

Citi is incredibly generous in giving cardmembers 21 months to pay off purchases or balance transfers with no interest.

With other cards, you may only have 12 or 15 months to pay down the balance before the interest kicks in.

Here’s an example that can citi simplicity card no late fees put the potential savings this card offers in perspective. Let’s say you want to buy $10,000 worth of new appliances for a kitchen remodel project.

The store you’re shopping at is offering a 10% discount if you open one of their credit cards.

If you go with the store’s card, you’ll knock $1,000 off the price upfront. Sounds good, right? Not until you do the math on the interest.

If you plan to pay the card off in 24 months, your payments will run $476 a month. When it’s all said and done, you’ll pay just over $2,000 in interest, which makes that discount you got up front virtually worthless.

Now, consider the Citi Simplicity Card. To pay the full $10,000 balance off before the regular APR kicks in, you’d need to make the same payment of $476 a month.

The difference is that as long as you pay the card off in 21 months, you’ve saved yourself a cool two grand in interest.

What else do you get with the card?

A lengthy 0% interest deal isn’t the only thing you’ll like about the. Take a look at what else this card has to offer in terms of added perks.

Save more with Citi Price Rewind

Citi Price Rewind is a built-in savings program that can make past purchases less expensive.

Citi tracks prices on the things you buy for 60 days, and if they find it advertised for less online, you can ask for a refund of the price difference. Refunds are good for up to $300 per item and up to $1,200 per year.

Enjoy enhanced card security

Identity theft is no laughing matter and having your credit card stolen can be a nightmare. The Citi Simplicity Card protects you in two ways, starting with EMV chip technology.

Cards have a built-in chip that adds an extra level of security protection when you shop in-store. You can also link your card to Apply Pay for quick, secure payments.

Members are automatically covered by Citi Identity Theft Solutions.

If your card is stolen, a fraud specialist will help you to file a police report and address any damage to your credit caused by an identity thief.

You’ll be glad to know that Citi offers $0 liability protection if someone uses your card to make fraudulent purchases.

Travel worry-free

Getting in an accident when you’re away from home is the fastest way to ruin your vacation.

Luckily, the Citi Simplicity Card gives you worldwide car rental insurance and 24-hour travel and emergency assistance, so help is just a phone call away.

Relax knowing that your purchases are protected

If you’re worried about something you buy with your Citi Simplicity card getting damaged or lost, have no fear.

This card gives you an extra year of warranty coverage on items that have a five-year warranty or less. You’re covered for up to $10,000 each calendar year.

Card rates and fees

Credit card companies make money by charging fees, and there are few added costs to be aware of with the Citi Simplicity Card.

Here’s a brief look at the card’s fee schedule:

Citi Simplicity Card has no annual fee.

While the lack of an annual fee or late payment fee is a plus, the 3% balance transfer is a potential downer.

If you’re transferring $5,000 to the card, for example, the fee would run you $150. Assuming you pay the balance off within 21 months, it wouldn’t cost you anything in interest, but you’re still adding to your debt.

The 3% foreign transaction fee is also something to keep in mind if you travel internationally. Charging $10,000 for a trip to Europe, for instance, would tack another $300 onto the final price tag.

Remember that the variable rates for purchases, transfers, and cash advances are all based on your creditworthiness. The better your credit score, the lower your rate if you carry a balance.

Tip: If you want to beef up your credit rating, check out this complete guide to hacking your perfect credit score.

Final verdict: Is the Citi Simplicity Card right for you?

is worth a look if you’ve got a big purchase on the horizon.

The same goes if you’re tired of shelling out big bucks each month in interest on another card.

Just make sure you factor in the cost of the balance transfer fee before pulling the trigger.

If you value rewards over saving on interest, this isn’t the card for you. There are rewards credit cards that would be a much better fit -- just make sure that you pay off the balance every month.

Continue Reading

Источник: https://www.mybanktracker.com

Citi Simplicity Card is Easy, but not Cheap

On July 25, Citigroup launched a revamped Citi Simplicity credit card, an offer that aims to simplify the fees, rates and rules that create hassles for many cardholders.

The Simplicity card has these key features:

*0% APR for 21 months on balance transfers

*0% APR for 21 months on purchases

*No annual fee

*No late fees

*No penalty rates for late payment

*Single interest rate for all purchases, cash advances and balance transfers

These features make the Citi simplicity card no late fees Simplicity card ideal for people who want more flexibility in payment terms. It's being marketed toward busy people who want more straightforward terms from their credit card. But while it has its perks, Simplicity doesn't come cheap.

The catch

  1. Higher than average APR. Consumers looking for a low interest card will have to look elsewhere. Simplicity's "simple" rate for all purchases, advances and balance transfers is 16.99%--significantly higher than the average consumer non-rewards credit card rate of 14.88% in mid-July, as reported by IndexCreditCards.com.
  2. No rewards. Those who enjoy rewards credit cards will need to look elsewhere.
  3. Excellent credit required. Only customers with excellent credit (720 or higher) will be accepted.

Citi Simplicity card

The primary benefit of the Citi Simplicity card is that it offers less complicated terms than many cards, which could be an attractive prospect to cardholders who have been surprised by unexpected fees or have run afoul of the fine print in their contracts. Citi Simplicity has zero late fees - a feature of only 5% of cards on the market today - and clear terms that Citi claims are easier to read and understand.

The original article can be found at CardRatings.com:Citi Simplicity Card is easy, but not cheap

Источник: https://www.foxbusiness.com/features/citi-simplicity-card-is-easy-but-not-cheap

Citi Simplicity® Card Review – Great Card for Balance Transfers

The Citi Simplicity® Card really lives up to its name. This straight-shooting credit card has one of the longest introductory 0% APR balance transfer promotions in the business (after which variable regular APR applies). Plus, while it doesn’t have an unusually low APR once the introductory period ends, Citi Simplicity’s lack of penalty fees and interest charges is great for cardholders who occasionally slip up.

Citi Simplicity is comparable to other no-frills cards with favorable rates and terms, along with entry-level cash back credit cards with long intro APR deals. However, with no rewards program, it’s not appropriate for consumers seeking active returns on spending.

Key Features

The key features of the Citi Simplicity card include long 0% APR promotions on purchases and balance transfers and reasonable fees.

Introductory APR

Citi Simplicity has an 21-month 0% APR promotion for balance transfers, beginning from the date of first transfer. Qualifying balance transfers must be made within 4 months of account opening.

Citi Simplicity also has an 12-month 0% APR promotion for purchases, beginning from your account opening date.

Following the end of the introductory promotional periods, variable regular purchase and balance transfer APR applies, depending on your creditworthiness.

Important Fees

There is never an annual fee or late payment fee. The foreign transaction fee is a flat 3%. Balance transfers cost the greater of $5 or 5% of the transferred amount, while cash advances cost the greater of $10 or 5%.

Credit Required

This card requires good to excellent credit. If you have any notable dings on your credit record, you may not qualify.

Advantages

Citi Simplicity’s advantages include its total lack of an annual fee and its attractive introductory APR promotion for purchases and balance transfers.

  1. No Annual Fee. Citi Simplicity doesn’t have an annual fee, ensuring that cardholders attracted by this card’s super-long introductory promotion aren’t shortchanged by an ongoing assessment.
  2. Very Long 0% APR Introductory Promotion for Balance Transfers. Citi Simplicity has one of the longest 0% APR balance transfer promotions around. That makes it hard to beat for consumers who wish to transfer high-interest balances and pay down debt faster. Following the end of the introductory promotional period, the regular balance transfer APR applies, citi simplicity card no late fees on your creditworthiness.
  3. Long 0% APR Introductory Promotion for Purchases. Citi Simplicity’s 0% APR purchase promotion lasts 12 months from your account opening date. That may be enough time to pay off large purchases in full – which you’ll want to do to avoid interest charges. Following the end of the introductory promotional period, the regular purchase APR applies, depending on your creditworthiness.
  4. No Penalty APR corolla classic vacations facebook Late Fees. Citi Simplicity never charges late payment fees or penalty interest. This is a huge benefit for cardholders who occasionally miss payments.

Disadvantages

Citi Simplicity has some notable downsides that you’ll want to consider before applying.

  1. No Sign-up Bonus. This card doesn’t have a sign-up bonus – a significant drawback next to fellow cards with attractive intro APR promotions.
  2. No Rewards. Citi Simplicity doesn’t have a rewards program. If a great promotional APR deal is your primary motivator, that probably won’t be a deal-breaker. However, if you value both rewards and promotional rates, consider American Express Blue Cash Everyday instead.
  3. Has a Foreign Transaction Fee. This card’s 3% foreign transaction fee increases the cost of venturing out of the United States – a cost that can really add citi simplicity card no late fees if you travel often. Alternatives such as Capital One Quicksilver lack foreign transaction fees.
  4. Fairly Strict Underwriting Requirements. Citi Simplicity requires good to excellent credit. If you’re carrying high-interest balances on an existing credit card account, it’s entirely possible that your credit won’t be good enough to qualify for Simplicity.

Final Word

The Citi Simplicity® Card holds applicants to pretty high credit standards. But those fortunate enough to qualify for this card are handed a rare opportunity: the ability to transfer high-interest balances from other cards and pay no interest for 21 months. If you’ve taken the trouble to research and apply for Citi Simplicity, chances are good that you already know how you’re going to use it.

Источник: https://www.moneycrashers.com/citi-simplicity-card-review/

Common payments and forms

Tickets & Violations

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Tickets

Office of Administrative Trials and Hearings (OATH), formerly ECB

The Office of Administrative Trials and Hearings, adjudicates quality of life summonses issued by various City agencies.

Parking, Red Light, and Camera Violations

Department of Finance (DOF)

— Online
— In Person at a DOF Business Center
— Using Your Mobile Device

Violations

Department of Health and Mental Hygiene (DOHMH)

The Department of Health and Mental Hygiene issues violations to licensees that violate the New York City Health Code.

Heat and Hot Water Violations

Department of Housing Preservation and Development (HPD)

In some cases, HPD Heat and Hot Water violations may be eligible for payment in satisfaction of civil penalties. You can only pay online if you are enrolled in HPD e-Certification and the violation is eligible .

Violations

Department of Consumer Affairs (DCA)

The Department of Consumer Affairs issues violations to licensees that violate the NYC Licensing Law, Consumer Protection Law, and Weights and Measures Law, among other laws and rules.

Trade Waste Violations

Business Integrity Commission

The Business Integrity Commission issues violations to regulated and unregulated trade waste haulers that violate Title 17, Chapter 1 of the City of New York Rules and Regulations.

BIC License and Registration Fees

Business Integrity Commission (BIC)

The Business Integrity Commission licenses and registers private trade waste haulers and public wholesale markets.


Property & Business Taxes

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Property Taxes and Charges

Department of Finance (DOF)

The Department of Finance collects property taxes and other property-related charges. Charges that appear on your Property Tax Bill such as emergency repair charges and inspection and extermination fees can be paid through this website.

Business and Excise Taxes / Business Tax System

Department of Finance (DOF)

On January 8, 2018, the Department of Finance launched a new and more customer-friendly business tax system known as NYC e-Service. All business taxes must now be paid through e-Service. Users should create a new account or log in here.

Real Property Transfer Tax Penalty and Interest

Department of Finance (DOF)

The real property transfer tax is an excise tax imposed on grants, assignments, transfers, or surrenders of real property in New York City. If documentation is not filed within 30 days of the transfer, penalties and interest are applied.

Property Taxes by Electronic Funds Transfer (NYCePay)

Department of Finance (DOF)

Pay your property taxes using electronic funds transfer (EFT). Funds are withdrawn directly from your bank of choice.


Permits & Licenses

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Fire Prevention Permit or Inspection Fees

Fire Department (FDNY)

The Fire Department conducts various required fire prevention inspections. Fees for permits and/or inspections may be paid through this site.

Special Event Permit Fee Payments

Street Activity Permit Office (SAPO)

Street Activity Permit Office permit applicants can pay their invoiced fees for special events prior to the issuance of their permit.

Development Hub Payments

Department of Buildings (DOB)

NYC Development Hub customers can pay initial filing, record management, fire suppression, energy review fees, and legalization civil penalties online prior to plan approval through this site.

Right to Know Permit

Department of Environmental Protection (DEP)

Right to Know permits are required for commercial, industrial, or public facilities that use, store, process, or handle any substance on New York City's list of hazardous substances at or above its threshold reporting quantity.

License Renewals

Department of Consumer Affairs (DCA)

The Department of Consumer Affairs licenses businesses and individuals. Licensees must renew a license before it expires in order to continue operating.

Tattoo License

Department of Health and Mental Hygiene (DOHMH)

Tattoo artists are required to be licensed by the Department of Health and Mental Hygiene and must take an infection control course and pass an exam. Tattoo licenses are valid for two years.

Dog License

Department of Health and Mental Hygiene (DOHMH)

Dog owners must apply for and purchase a dog license from the Department of Health and Mental Hygiene to comply with New York State law and the New York City Health Code.

License Applications, Renewals, and Summonses

Taxi and Limousine Commission (TLC)

Through the NYC Taxi & Limousine Commission's License Applications, Renewals & Summonses (LARS) system you can: plead guilty and pay summons(es), make a license renewal payment and more.

DOB NOW: Build Payments

Department of Buildings (DOB)

DOB NOW: Build customers can pay for initial filing fees, record management fees, PAA fees, and renewal fees.

DOB NOW: Safety Payments

Department of Buildings (DOB)

DOB NOW: Safety customers can pay for filing fees and late filing fees.

eFiling Payments

Department of Buildings (DOB)

eFiling customers can pay for initial filing fees, record management fees, and permit fees.

License Renewals

Department of Buildings (DOB)

New York City renewal payments for Licensees and Safety Registrations.

Special Event and Athletic Field Permit Fee Payments

Department of Parks and Recreation (DPR)

DPR permit applicants can pay their invoiced fees for special events and athletic field requests prior to the issuance of their permit.

Film Permit Fee Payments

Mayor's Office of Media and Entertainment (MoME)

Film permit applicants can pay their invoiced fees prior to the issuance of their permit.

MoME Application Fee

Mayor's Office of Media and Entertainment (MoME)

Film permit application fee.

SAPO Special Event Permit Application Fee Payment

Mayor's Office of Citywide Event Coordination and Management (CECM)

The Mayor's Street Activity Permit Office (SAPO) issues permits for street fairs, festivals, block parties, farmers' markets, commercial/promotional and other events on the City's streets and sidewalks.

Hudson River Parks Permit

Hudson River Parks

Hudson River Parks issues permits for Film/Photo, Special Events and Field Sessions.

Summer Camp

Department of Parks and Recreation (DPR)

DPR runs 19 summer camp programs citywide from July to August for children ages 6 to 13.

Tennis Permit

Department of Parks and Recreation (DPR)

DPR issues tennis permits and renewal permits.

Special Events Permit

Department of Parks and Recreation (DPR)

Special events permits from DPR are required for events/activities where twenty or more people will be present.

Tree Fund Payments

Department of Parks and Recreation (DPR)

NYC Parks tree fund applicants can pay their tree fund or refundable tree fund invoices through this site.

Governors Island Permit

The Trust for Governors Island (TGI)

The Trust for Governors Island offers several types of permits based event or activity type.

Parking Permit Fee

New York City Housing Authority (NYCHA)

NYCHA's Parking Administration oversees the permit issuance process and the enforcement of parking rules and regulations at all of NYCHA's parking facilities.

DOT Intercity Bus Permit

Department of Transportation (DOT)

Intercity buses offer low-cost scheduled service into or out of New York City, using curb side bus stop locations for loading or unloading passengers. If you operate or wish to operate an intercity bus, you must have a permit from the New York City Department of Transportation. The permit allows bus operators with scheduled service into or out of the City to use curbside bus stop locations for loading or unloading passengers.

DEP MS4 Stormwater Permits

Department of Environmental Protection (DEP MS4)

MS4 Stormwater Construction and Stormwater Maintenance Permits are required for private and public construction projects that disturb one or more acres of soil and are located in areas that drain to the separate storm sewer system owned and operated by the City.

Hydrant Flow Test

Department of Environmental Protection (DEP)

Hydrant flow tests determine the pressure and flow adequacy of hydrants for firefighting purposes. This application must be used to request that a hydrant flow test be conducted by DEP.

Social Adult Day Care

Department for the Aging (DFTA)

The Department for the Aging requires Social Adult Day Care (SADC) providers to register their program and to update their registration information. SADC providers are required to pay a one-time fee of $900 to initially register their program and a $240 fee for each updated registration. The Department for the Aging also issues violations to SADC providers that violate New York City Local Law 9 and New York State Office for the Aging Social Adult day Services Standards. All registration submissions and violation payments can only be completed online.

Brooklyn Bridge Park Permit Application Fee

Brooklyn Bridge Park

Brooklyn Bridge Parks issues permits for Film/Photo, Special Events, Weddings, and Field Sessions.

Brooklyn Bridge Park Permit Fee Payments

Brooklyn Bridge Park

Brooklyn Bridge Park Permit applicants can pay their invoiced fees for speical permits prior to the issuance of their permit.

DEP Revocable Land Use Permits citi simplicity card no late fees Agricultural Permits

Department of Environmental Protection (DEP Revocable Land Use and Agricultural Permits)

Revocable Land Use Permits are issued for various uses of NYC watershed lands per Chapter 17 of Title 15 of the Rules of New York City. DEP also allows certain agricultural leases on its watershed lands. In both cases, projects are considered when they do citi simplicity card no late fees have a negative impact to water quality protection or interference with water supply operations. NYC Land Use Permits and Agricultural Projects can be paid when having your invoice and project number.


Inspection Fees

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Electrical Firm Payments

Department of Buildings (DOB)

Electrical firms can make account payments for inspection and completion fees associated with electrical work through this site.

Fire Prevention Permit or Inspection Fees

Fire Department (FDNY)

The Fire Department conducts various required fire prevention inspections. Fees for permits and/or inspections may be paid through this site.


Courses & Certifications

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Certificate Of Fitness

Fire Department (FDNY)

New York City Certificate Of Fitness (COF) licensees can pay to renew their licenses.

Online Food Protection Course

Department of Health and Mental Hygiene (DOHMH)

Supervisors of food service establishments and non-retail food processing establishments can take a course online to receive their certification in food protection.

Health Academy Courses

Department of Health and Mental Hygiene (DOHMH)

The NYC Health Academy provides training and courses to the public where certification is required by law to do certain jobs, such as tattoo artists, animal groomers, and supervisors of food service establishments.


Bills & Services

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Revocable Consents Payments

Department of Transportation (DOT)

Revocable consents are required to install a structure on, under, or over a city street or sidewalk. They are generally granted for 10 years and may be renewed when they expire.

Rent Payments

Department of Citywide Administrative Services (DCAS)

The Department of Citywide Administrative Services collects rent payments from tenants who rent City-owned properties. These payments may be made through this site.

Development Hub Payments

Department of Buildings (DOB)

NYC Development Hub customers can pay initial filing, record management, fire suppression, energy review fees, and legalization civil penalties online prior to plan approval through this site.

Water and Sewer Bills

Department of Environmental Protection (DEP)

Property owners must pay water and sewer charges. New York City's water and sewer infrastructure is funded by revenue collected through water and sewer rates.

Civil Service Exam Application Fee

Department of Citywide Administrative Services (DCAS)

The Department of Citywide Administrative Services maintains the municipal civil service system and validates, administers, and rates competitive civil service exams.

DOHMH VitalChek, birth/death/marriage certificates

Department of Citywide Administrative Services (DCAS)

DOHMH VitalChek birth/death/marriage certificates (birth certificates after 1909; death certificates after 1948; marriage certificates after 1929; Department of Health and Mental Hygiene)

DORIS NYC building photos, birth/death/marriage certificates

Department of Records and Information Services (DORIS)

DORIS NYC building photos, birth/death/marriage records (birth records prior to 1910; death records prior to 1949; marriage records prior to 1930; Department of Records and Information Services)

Tax photos, birth/death/marriage certificates

Department of Records and Information Services (DORIS)

The Municipal Archives preserves and provides public access to the City's government records throughout its 400 year history. Vital records and historical photographs can be purchased through this site.

Building Registration

Department of Housing Preservation and Development (HPD)

Buildings with three or more dwelling units must be registered with HPD's Registration Assistance Unit. Building owners must register their buildings annually.

Mayor's Fund Donations

Mayor's Fund to Advance NYC

The Mayor's Fund to Advance New York City is a 501 (c)(3) nonprofit organization that facilitates innovative public-private partnerships throughout the five boroughs.

Business Express

Business Express

NYC Business Express is a website that makes it easier to start, operate, and expand a business in New York City. Business Express allows customers to apply for the M/WBE Certification Program, search property information, and pay Food Service Establishment Violations online

Asbestos Abatement

Department of Environmental Protection (DEP)

Building owners are required to file applications if they are doing asbestos abatement work in their building.

IDNYC Replacement Card Fee

Human Resources Administration

IDNYC is the official New York City identification card. All NYC residents ages 14 and older who reside in the City's 5 boroughs are eligible to apply. If you already have a card, but it has been lost, stolen, or damaged you must pay a $10.00 replacement fee in order to apply for a new one.

Medicaid Pay-In Payments

Department of Social Services (DSS)

The Medicaid Pay-In program provides coverage to consumers who are determined eligible for Medicaid with a surplus. The surplus means the income in the household is above the Medicaid limit. If you have a surplus Medicaid case, you can pay your surplus amount through this site.


Other Payment Related Information

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Copy of a Parking Violation

Department of Finance (DOF)

Information site to search for all parking /camera violations. Search can be made by utilizing your ticket number, notice of liability (NOL) or plate number.

Weekly Fleet Bill

Department of Finance (DOF)

Using this site, participants enrolled in a Department of Finance Fleet Program may pay the full weekly bill of outstanding violations issued to their enrolled plates.


Fleet/Rental Program

Department of Finance (DOF)

The Department of Finance provides the Fleet/Rental Program Online Services home page. Using this site, entities already enrolled in the Fleet/Rental programs can obtain important information online and perform a variety of tasks, including: enrolling and terminating license plates, viewing open violations, creating bills, paying selected violations via electronic check and requesting hearings.

Real Property Transfer Tax (RPTT) Penalty & Interest

Department of Finance (DOF)

You must pay the Real Property Transfer Tax (RPTT) on sales, grants, assignments, transfers or surrenders of real property in New York City. You must also pay RPTT for the sale or transfer of at least 50% of ownership in a corporation, partnership, trust, or other entity that owns/leases property and transfers of cooperative housing stock shares.

City Register

ACRIS

Additional information about ACRIS, the Automated City Register Information System.

City Register - ACRIS Portal

ACRIS

The Automated City Register Information System (ACRIS) allows you to search property records and view document images for Manhattan, Queens, Bronx, and Brooklyn from 1966 to the present.

City Register (FAQs)

ACRIS

Frequently asked questions about ACRIS, the Automated City Register Information System.

Verification of Crime / Lost Property Report (FAQs)

NYPD / Criminal Records Section

Verification of Crime / Lost Property reports are provided by the Criminal Records Section, which stores and maintains crime and lost property reports and provides information from these files to members of the public and authorized agencies, as required by law and Department regulations. Persons who have reported a crime or lost property may request a report by submitting a Verification of Crime/Lost Property form online.

Sidewalk Repair Payment Plan - NYC311

If you have been billed for sidewalk repairs made by the Department of Transportation's Sidewalk Management Unit, you can apply for a payment plan so you can pay the amount you owe over time instead of all at once.

portal.311.nyc.gov


ParkNYC Parking Payment - NYC311

Parking meters accept payment 1 hour before meter regulations begin. In areas that offer mobile payment for parking, you may also pay ahead using the ParkNYC app or a web browser.

portal.311.nyc.gov


Other

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DCAS CityStore Purchase

Department of Citywide Administrative Services (DCAS)

CityStore is the Official store of the City of New York. CityStore is operated by the Department of Citywide Administrative Services. 100% of sales benefit the City of New York.

DOE - DHC School Support Project

Department of Education (DOE)


Источник: https://a836-citypay.nyc.gov/

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Источник: https://www.discover.com/credit-cards/cash-back/it-card.html

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✅ Citi Simplicity Credit Card Review 🔴

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