0% introductory APR for 21 months on Stability Transfers on steadiness transfers: One of many longest introductory intervals on steadiness transfers we have come throughout, you may get a 0% intro APR on the steadiness transferred for a full 21 months on Stability Transfers, which implies you’ll have virtually two years to repay your steadiness.
0% introductory APR for 12 months on Purchases on purchases: You will additionally get a 0% intro APR on new purchases for the primary 12 months on Purchases. It is a useful perk if you happen to plan on shopping for something with the cardboard.
Select your cost due date: A bit of flexibility can go a good distance on the subject of managing your funds. The cardboard allows you to select from any obtainable cost date, whether or not it is to start with, center, or finish of the month. That means, you’ll be able to arrange automated 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. 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 if you happen to do slip up and miss a cost.
No penalty APR: In case you miss some funds, most bank cards will improve your rate of interest to their penalty APR. The Citi Simplicity® Card by no means fees a penalty fee, so your APR is not liable to growing on account of late funds.
No annual price: This card comes with no annual price, which is a crucial characteristic in case your objective is to repay debt.
