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 virtually two years to repay your steadiness.
0% introductory APR for 12 months on purchases: You may additionally get a 0% intro APR on new purchases for the primary 12 months. This can be a useful perk if you happen to plan on shopping for something with the cardboard.
Select your fee due date: Somewhat flexibility can go a great distance in relation to managing your funds. The cardboard helps you to select from any out there fee date, whether or not it is at first, center, or finish of the month. That approach, you possibly can 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 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 if you happen to do slip up and miss a fee.
No penalty APR: For those who 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 fee, so your APR is not liable to rising on account of late funds.
No annual charge: This card comes with no annual charge, which is a crucial function in case your objective is to repay debt.
