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 will additionally get a 0% intro APR on new purchases for the primary 12 months. It is a useful perk in the event you plan on shopping for something with the cardboard.
Select your cost due date: Slightly flexibility can go a good distance in the case of managing your funds. The cardboard helps you to select from any obtainable cost date, whether or not it is to start with, center, or finish of the month. That method, you’ll be able to arrange computerized funds which can be aligned along with your paycheck.
No late charges: Probably the most distinctive perks is that there aren’t any late charges, ever. Whilst 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 in the event you do slip up and miss a cost.
No penalty APR: Should 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 charge, so your APR is not vulnerable to growing on account 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.
