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 virtually two years to repay your stability.
0% introductory APR for 12 months on purchases: You may additionally get a 0% intro APR on new purchases for the primary 12 months. It is a useful perk for those who plan on shopping for something with the cardboard.
Select your cost due date: A bit of flexibility can go a good distance in the case of managing your funds. The cardboard allows you to select from any accessible cost date, whether or not it is at first, center, or finish of the month. That method, you’ll be able to arrange automated funds which might be aligned along with your paycheck.
No late charges: One of the 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 for those who do slip up and miss a cost.
No penalty APR: In case you miss some funds, most bank cards will enhance your rate of interest to their penalty APR. The Citi Simplicity® Card by no means prices a penalty fee, so your APR is not prone to growing 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.