0% introductory APR for 21 months on steadiness transfers: One of many longest introductory intervals 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 when you plan on shopping for something with the cardboard.
Select your fee due date: Slightly flexibility can go a great distance with regards to managing your funds. The cardboard allows you to select from any accessible 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 along with your paycheck.
No late charges: One of the 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 simply will not be charged when you do slip up and miss a fee.
No penalty APR: If you happen to miss some funds, most bank cards will improve your rate of interest to their penalty APR. Citi Simplicity® Card by no means fees a penalty price, so your APR is not susceptible to growing as a consequence 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.
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