0% introductory APR for 21 months on steadiness transfers: One of many longest introductory intervals on steadiness transfers we have come throughout, you will get a 0% intro APR on the steadiness transferred for a full 21 months, which implies you’ll have nearly two years to repay your steadiness.
0% introductory APR for 12 months on purchases: You may additionally get a 0% intro APR on new purchases for the primary 12 months. It is a useful perk if you happen to plan on shopping for something with the cardboard.
Select your fee due date: A bit of flexibility can go a great distance with regards to managing your funds. The cardboard enables you to select from any obtainable fee date, whether or not it is at first, center, or finish of the month. That means, you possibly can arrange computerized funds which can be aligned together with your paycheck.
No late charges: Probably the most distinctive perks is that there aren’t 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 just will not be charged if you happen to do slip up and miss a fee.
No penalty APR: If you happen to 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 charge, so your APR is not susceptible to growing resulting from late funds.
No annual payment: This card comes with no annual payment, which is a crucial function in case your purpose is to repay debt.
