0% introductory APR for 21 months on Steadiness Transfers: One of many longest introductory intervals we have come throughout, you may get 0% intro APR for a full 21 months on Steadiness Transfers, which suggests you’ll have nearly two years to repay your stability.
0% introductory APR for 12 months on Purchases: You will additionally get 0% intro APR for the primary 12 months on Purchases. It is a useful perk should you plan on shopping for something with the cardboard.
Select your cost due date: A bit flexibility can go a great distance in relation to managing your funds. The cardboard helps you to select from any obtainable cost date, whether or not it is at first, center, or finish of the month. That means, 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 are not any late charges, ever. Whilst 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 simply will not be charged should you do slip up and miss a cost.
No penalty APR: In the event 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 fee, so your APR is not susceptible to growing resulting from late funds.
No annual price: This card comes with no annual price, which is a vital characteristic in case your objective is to repay debt.