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 will additionally get a 0% intro APR on new purchases for the primary 12 months. This can be a useful perk should you plan on shopping for something with the cardboard.
Select your fee due date: Slightly flexibility can go a good distance with regards to managing your funds. The cardboard helps you to select from any out there fee date, whether or not it is to start with, center, or finish of the month. That approach, you possibly can arrange automated funds which might be aligned together with your paycheck.
No late charges: One of the crucial 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 fee.
No penalty APR: When you miss some funds, most bank cards will improve your rate of interest to their penalty APR. Citi Simplicity® Card by no means expenses a penalty fee, so your APR is not vulnerable to growing as a result of late funds.
No annual charge: This card comes with no annual charge, which is a vital function in case your purpose is to repay debt.