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 suggests 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 in the event you plan on shopping for something with the cardboard.
Select your fee due date: Slightly flexibility can go a great distance on the subject of managing your funds. The cardboard permits you to select from any obtainable fee date, whether or not it is to start with, center, or finish of the month. That means, you may arrange computerized funds which are aligned along with your paycheck.
No late charges: One of the vital distinctive perks is that there aren’t any late charges, ever. Whilst 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 in the event you do slip up and miss a fee.
No penalty APR: When you 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 price, so your APR is not prone to rising because of late funds.
No annual charge: This card comes with no annual charge, which is a vital characteristic in case your purpose is to repay debt.