0% introductory APR for 21 months 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, which implies you’ll have virtually 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. This can be a useful perk for those who plan on shopping for something with the cardboard.
Select your fee due date: A bit flexibility can go a great distance relating to managing your funds. The cardboard permits you to select from any obtainable fee date, whether or not it is at first, center, or finish of the month. That manner, you possibly can arrange computerized funds which are aligned along with your paycheck.
No late charges: Probably the most distinctive perks is that there aren’t any late charges, ever. When 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 for those who do slip up and miss a fee.
No penalty APR: If you happen to miss some funds, most bank cards will improve your rate of interest to their penalty APR. The Citi Simplicity® Card by no means expenses a penalty fee, so your APR is not susceptible to growing because of late funds.
No annual charge: This card comes with no annual charge, which is a crucial characteristic in case your aim is to repay debt.