0% introductory APR for 21 months on stability transfers: One of the longest introductory intervals on stability transfers we have come throughout, you will get a 0% intro APR on the stability transferred for a full 21 months, which implies you’ll have nearly 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 when you plan on shopping for something with the cardboard.
Choose your fee due date: Slightly flexibility can go a great distance in the case of managing your funds. The card allows you to select from any obtainable fee 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: One of probably the most distinctive perks is that there aren’t any late charges, ever. While it’s best to at all times 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: If you miss some funds, most bank cards will improve your rate of interest to their penalty APR. Citi® Simplicity® Card by no means costs a penalty charge, so your APR is not liable to growing attributable to late funds.
No annual charge: This card comes with no annual charge, which is a crucial function in case your objective is to repay debt.