0% introductory APR for 21 months on stability transfers: One of many longest introductory intervals on stability transfers we have come throughout, you may get a 0% intro APR on the stability transferred for a full 21 months, which implies you’ll have virtually 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. 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 good distance in relation to managing your funds. The cardboard permits you to select from any out there fee date, whether or not it is to start with, center, or finish of the month. That method, you may arrange computerized funds which are aligned along with your paycheck.
No late charges: One of the vital distinctive perks is that there aren’t 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 just will not be charged if you happen to do slip up and miss a fee.
No penalty APR: Should you miss some funds, most bank cards will improve your rate of interest to their penalty APR. Citi® Simplicity® Card by no means prices a penalty price, so your APR is not prone to growing resulting from 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.