0% introductory APR for 21 months on steadiness transfers: One of many longest introductory durations on steadiness transfers we have come throughout, you will 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. It is a useful perk in the event you plan on shopping for something with the cardboard.
Select your fee due date: A little bit flexibility can go a good distance in relation to managing your funds. The cardboard helps you to select from any obtainable fee date, whether or not it is to start with, center, or finish of the month. That manner, you may arrange automated funds which can be aligned along with your paycheck.
No late charges: One of the 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 in the event 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. Citi® Simplicity® Card by no means fees a penalty price, so your APR is not vulnerable to rising as a result of late funds.
No annual payment: This card comes with no annual payment, which is a crucial characteristic in case your purpose is to repay debt.