0% introductory APR for 21 months on stability transfers: One of many longest introductory intervals on stability transfers we have come throughout, you will 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. This can be a useful perk in case you plan on shopping for something with the cardboard.
Select your cost due date: A bit of flexibility can go a good distance in relation 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 method, you may arrange computerized funds which can be aligned together with your paycheck.
No late charges: One of the 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 in case you do slip up and miss a cost.
No penalty APR: Should 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 liable to rising as a consequence of late funds.
No annual charge: This card comes with no annual charge, which is a vital function in case your aim is to repay debt.
