0% introductory APR for 21 months on Steadiness Transfers on steadiness transfers: One of many longest introductory intervals on steadiness transfers we have come throughout, you may get a 0% intro APR on the steadiness transferred for a full 21 months on Steadiness Transfers, which implies you’ll have nearly two years to repay your steadiness.
0% introductory APR for 12 months on Purchases on purchases: You may additionally get a 0% intro APR on new purchases for the primary 12 months on Purchases. This can be a useful perk in case you plan on shopping for something with the cardboard.
Select your fee due date: Just a little flexibility can go a good distance with regards to managing your funds. The cardboard allows you to select from any obtainable fee date, whether or not it is to start with, center, or finish of the month. That method, you may arrange computerized funds which are aligned together with your paycheck.
No late charges: One of the crucial 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 in case you do slip up and miss a fee.
No penalty APR: If you happen to miss some funds, most bank cards will enhance your rate of interest to their penalty APR. The Citi Simplicity® Card by no means costs a penalty price, so your APR is not liable to rising resulting from late funds.
No annual price: This card comes with no annual price, which is a crucial function in case your aim is to repay debt.
