0% introductory APR for 21 months on Steadiness Transfers on steadiness transfers: One of many longest introductory intervals on steadiness transfers we have come throughout, you may get a 0% intro APR on the steadiness transferred for a full 21 months on Steadiness Transfers, which implies you’ll have nearly two years to repay your steadiness.
0% introductory APR for 12 months on Purchases on purchases: You will additionally get a 0% intro APR on new purchases for the primary 12 months on Purchases. This can be a useful perk if you happen to plan on shopping for something with the cardboard.
Select your fee due date: A bit flexibility can go a great distance with regards to managing your funds. The cardboard enables you to select from any out there fee date, whether or not it is at first, center, or finish of the month. That method, you may arrange computerized funds which are aligned along with your paycheck.
No late charges: One of the distinctive perks is that there are not any late charges, ever. Whilst you ought to at all times pay your invoice on time, as a result of late funds can nonetheless have an effect on your credit score, it is good to know that you simply will not be charged if you happen to do slip up and miss a fee.
No penalty APR: In the event you miss some funds, most bank cards will enhance your rate of interest to their penalty APR. The Citi Simplicity® Card by no means costs a penalty price, so your APR is not prone to rising attributable to late funds.
No annual payment: This card comes with no annual payment, which is a vital function in case your objective is to repay debt.