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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 will additionally get a 0% intro APR on new purchases for the primary 12 months. It is a useful perk for those who plan on shopping for something with the cardboard.
Select your cost due date: A bit of flexibility can go a good distance in the case of managing your funds. The cardboard permits you to select from any obtainable cost date, whether or not it is at first, center, or finish of the month. That means, you possibly can arrange automated funds which are aligned together with your paycheck.
No late charges: Some of the 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 for those who 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 expenses a penalty charge, so your APR is not vulnerable to growing as a result of late funds.
No annual price: This card comes with no annual price, which is a crucial function in case your objective is to repay debt.
