0% introductory APR for 21 months on stability transfers: One of many longest introductory durations 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. This can be a useful perk in case you plan on shopping for something with the cardboard.
Select your cost due date: Somewhat flexibility can go a good distance on the subject of managing your funds. The cardboard enables you to select from any out there cost date, whether or not it is to start with, center, or finish of the month. That method, you’ll be able to arrange computerized funds which can be aligned together with your paycheck.
No late charges: Probably the most distinctive perks is that there are not any late charges, ever. When you ought to at all times 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: 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 costs a penalty fee, so your APR is not vulnerable to growing attributable to late funds.
No annual charge: This card comes with no annual charge, which is a crucial function in case your aim is to repay debt.