0% introductory APR for 21 months on steadiness transfers: One of many longest introductory durations on steadiness transfers we have come throughout, you may 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 in the event you plan on shopping for something with the cardboard.
Select your cost due date: Just a little flexibility can go a good distance relating to 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 means, you’ll be able to arrange automated funds which can be aligned together with your paycheck.
No late charges: One of the 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 in the event you do slip up and miss a cost.
No penalty APR: In the event you miss some funds, most bank cards will enhance your rate of interest to their penalty APR. Citi® Simplicity® Card by no means prices a penalty charge, so your APR is not vulnerable to rising on account 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.