0% introductory APR for 21 months on steadiness transfers: One of many longest introductory intervals on steadiness transfers we have come throughout, you may get a 0% intro APR on the steadiness transferred for a full 21 months, which suggests you’ll have nearly 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 case you plan on shopping for something with the cardboard.
Select your fee due date: Somewhat flexibility can go a good distance in the case of managing your funds. The cardboard permits you to select from any obtainable fee date, whether or not it is to start with, center, or finish of the month. That means, you may arrange computerized funds which might be aligned along with your paycheck.
No late charges: One of the vital distinctive perks is that there aren’t 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 fee.
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 costs a penalty price, so your APR is not liable to rising on account of late funds.
No annual charge: This card comes with no annual charge, which is a vital function in case your objective is to repay debt.