0% introductory APR for 21 months on steadiness transfers: One of many longest introductory durations 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 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 for those who plan on shopping for something with the cardboard.
Select your cost due date: Just a little flexibility can go a good distance on the subject of managing your funds. The cardboard allows you to select from any accessible cost date, whether or not it is at first, center, or finish of the month. That approach, you may arrange automated funds which are aligned along with your paycheck.
No late charges: Some of the 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 just will not be charged for those who 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 costs a penalty price, so your APR is not vulnerable to growing as a consequence of late funds.
No annual payment: This card comes with no annual payment, which is a crucial characteristic in case your objective is to repay debt.