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 nearly two years to repay your stability.
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 fee due date: Just a little flexibility can go a good distance with regards to managing your funds. The cardboard allows you to select from any accessible fee date, whether or not it is at first, center, or finish of the month. That means, you’ll be able to arrange automated 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. 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 if you happen to do slip up and miss a fee.
No penalty APR: When you 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 fee, so your APR is not susceptible to rising because 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.