0% introductory APR for 21 months on stability transfers: One of many longest introductory durations on stability transfers we have come throughout, you may 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. It is a useful perk if you happen to plan on shopping for something with the cardboard.
Select your cost due date: Just a little flexibility can go a good distance on the subject of managing your funds. The cardboard permits you to select from any out there cost date, whether or not it is to start with, center, or finish of the month. That approach, you possibly can arrange automated funds which are aligned along with your paycheck.
No late charges: Some of the distinctive perks is that there aren’t 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 simply will not be charged if you happen to do slip up and miss a cost.
No penalty APR: In the event you 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 price, so your APR is not susceptible to rising as a consequence of late funds.
No annual payment: This card comes with no annual payment, which is a vital function in case your purpose is to repay debt.
