0% introductory APR for 21 months on steadiness transfers: One of many longest introductory durations on steadiness transfers we have come throughout, you will 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. This can be a useful perk for those who plan on shopping for something with the cardboard.
Select your fee due date: Just a little flexibility can go a great distance with regards to managing your funds. The cardboard helps you to select from any accessible fee date, whether or not it is to start with, center, or finish of the month. That manner, you may arrange automated funds which are 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 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 just will not be charged for those who do slip up and miss a fee.
No penalty APR: For those who miss some funds, most bank cards will enhance your rate of interest to their penalty APR. Citi Simplicity® Card by no means expenses a penalty price, so your APR is not susceptible to rising attributable to late funds.
No annual charge: This card comes with no annual charge, which is a crucial characteristic in case your objective is to repay debt.