0% introductory APR for 21 months on stability transfers: One of many longest introductory intervals on stability transfers we have come throughout, you may 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 should you plan on shopping for something with the cardboard.
Select your cost due date: A bit of flexibility can go a great distance in terms of managing your funds. The cardboard enables you to select from any out there cost date, whether or not it is at first, center, or finish of the month. That method, you possibly can arrange computerized funds which are aligned along with your paycheck.
No late charges: One of the vital 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 should you do slip up and miss a cost.
No penalty APR: When 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 charge, so your APR is not liable to growing because of late funds.
No annual payment: This card comes with no annual payment, which is a crucial characteristic in case your purpose is to repay debt.