0% introductory APR for 21 months on stability transfers: One of many longest introductory durations 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 nearly two years to repay your stability.
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: A bit of flexibility can go a great distance in relation to managing your funds. The cardboard permits you to select from any obtainable fee date, whether or not it is at first, center, or finish of the month. That approach, you possibly can arrange automated funds which can be aligned together with your paycheck.
No late charges: One of the distinctive perks is that there are not 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 in the event you do slip up and miss a fee.
No penalty APR: Should you miss some funds, most bank cards will improve your rate of interest to their penalty APR. The Citi Simplicity® Card by no means prices a penalty price, so your APR is not susceptible to growing as a consequence of late funds.
No annual charge: This card comes with no annual charge, which is a crucial function in case your purpose is to repay debt.
