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 will additionally get a 0% intro APR on new purchases for the primary 12 months. It is a useful perk if you happen to plan on shopping for something with the cardboard.
Select your cost due date: A bit flexibility can go a great distance in terms of managing your funds. The cardboard permits you to select from any obtainable cost date, whether or not it is at first, center, or finish of the month. That method, you possibly can arrange computerized funds which might be aligned together with your paycheck.
No late charges: Probably the most 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 simply will not be charged if you happen to do slip up and miss a cost.
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 expenses a penalty charge, so your APR is not prone to rising as a result of late funds.
No annual price: This card comes with no annual price, which is a crucial characteristic in case your aim is to repay debt.