0% introductory APR for 21 months on stability transfers: One of many 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 suggests you’ll have virtually two years to repay your stability.
0% introductory APR for 12 months on purchases: You will additionally get a 0% intro APR on new purchases for the primary 12 months. It is a useful perk in the event you plan on shopping for something with the cardboard.
Select your cost due date: A bit flexibility can go a good distance in terms of managing your funds. The cardboard helps you to select from any out there cost date, whether or not it is to start with, center, or finish of the month. That means, you may arrange automated funds which can be aligned along with your paycheck.
No late charges: Probably the most distinctive perks is that there are not 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 in the event you do slip up and miss a cost.
No penalty APR: If you happen to 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 vulnerable to rising because of late funds.
No annual payment: This card comes with no annual payment, which is a crucial function in case your purpose is to repay debt.