0% introductory APR for 21 months 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, which suggests 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. This can be a useful perk when you plan on shopping for something with the cardboard.
Select your cost due date: A little bit flexibility can go a good distance on the subject of managing your funds. The cardboard enables you to select from any obtainable cost date, whether or not it is at first, center, or finish of the month. That method, you’ll be able to arrange computerized funds which are 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 cost.
No penalty APR: If you happen to miss some funds, most bank cards will improve your rate of interest to their penalty APR. The Citi Simplicity® Card by no means costs a penalty price, so your APR is not susceptible to growing because 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.