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0% introductory APR for 21 months on stability transfers: One of many longest introductory durations on stability transfers we have come throughout, you may get a 0% intro APR on the stability transferred for a full 21 months, which suggests you’ll have nearly two years to repay your stability.
0% introductory APR for 12 months on purchases: You may additionally get a 0% intro APR on new purchases for the primary 12 months. It is a useful perk in case you plan on shopping for something with the cardboard.
Select your cost due date: Slightly flexibility can go a great distance in the case of managing your funds. The cardboard permits you to select from any accessible cost date, whether or not it is to start with, center, or finish of the month. That approach, you’ll be able to arrange automated funds which are aligned along with your paycheck.
No late charges: One of the distinctive perks is that there aren’t 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 in case 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. Citi Simplicity® Card by no means costs a penalty price, so your APR is not prone to growing because of late funds.
No annual charge: This card comes with no annual charge, which is a crucial characteristic in case your aim is to repay debt.
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