0% introductory APR for 21 months on stability transfers: One of many longest introductory durations on stability transfers we have come throughout, you will get a 0% intro APR on the stability transferred for a full 21 months, which suggests you’ll have nearly two years to repay your stability.
0% introductory APR for 12 months on purchases: You will additionally get a 0% intro APR on new purchases for the primary 12 months. This can be a useful perk when you plan on shopping for something with the cardboard.
Select your fee due date: A bit flexibility can go a good distance in relation to managing your funds. The cardboard allows you to select from any out there fee date, whether or not it is at first, center, or finish of the month. That means, you’ll be able to arrange automated 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. When you ought to all the time 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 when you do slip up and miss a fee.
No penalty APR: When you 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 charge, so your APR is not vulnerable to growing because of 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.