0% introductory APR for 21 months on stability transfers: One of the longest introductory intervals on stability transfers we have come throughout, you may get a 0% intro APR on the stability transferred for a full 21 months, which implies you’ll have virtually two years to repay your stability.
0% introductory APR for 12 months on purchases: You’ll additionally get a 0% intro APR on new purchases for the primary 12 months. This is a useful perk for those who plan on shopping for something with the cardboard.
Choose your cost due date: Just a little flexibility can go a good distance relating to managing your funds. The card enables you to select from any obtainable cost date, whether or not it is at first, center, or finish of the month. That approach, you possibly can arrange computerized funds which can be aligned along with your paycheck.
No late charges: One of probably the most distinctive perks is that there aren’t any late charges, ever. While it is best 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 for those who do slip up and miss a cost.
No penalty APR: If you miss some funds, most bank cards will enhance your rate of interest to their penalty APR. 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 vital function in case your objective is to repay debt.