0% introductory APR for 21 months on steadiness transfers: One of many longest introductory durations on steadiness transfers we have come throughout, you will get a 0% intro APR on the steadiness transferred for a full 21 months, which suggests 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 should you plan on shopping for something with the cardboard.
Select your cost due date: A little bit flexibility can go a great distance on the subject of managing your funds. The cardboard enables you to select from any accessible cost date, whether or not it is at first, center, or finish of the month. That method, you may arrange automated funds which are aligned together with your paycheck.
No late charges: One of the distinctive perks is that there aren’t 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 just will not be charged should you do slip up and miss a cost.
No penalty APR: For those who miss some funds, most bank cards will enhance your rate of interest to their penalty APR. The Citi Simplicity® Card by no means prices a penalty fee, so your APR is not liable to rising because of late funds.
No annual payment: This card comes with no annual payment, which is a vital characteristic in case your objective is to repay debt.
