0% introductory APR for 21 months on Steadiness Transfers on steadiness transfers: One of many longest introductory intervals on steadiness transfers we have come throughout, you will get a 0% intro APR on the steadiness transferred for a full 21 months on Steadiness Transfers, which implies you’ll have nearly two years to repay your steadiness.
0% introductory APR for 12 months on Purchases on purchases: You will additionally get a 0% intro APR on new purchases for the primary 12 months on Purchases. This can be a useful perk in case you plan on shopping for something with the cardboard.
Select your fee due date: Just a little flexibility can go a great distance with regards to managing your funds. The cardboard helps you to select from any obtainable fee date, whether or not it is at first, center, or finish of the month. That approach, you may arrange automated funds which might be aligned together with your paycheck.
No late charges: One of the crucial distinctive perks is that there aren’t any late charges, ever. Whilst 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 simply 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 improve your rate of interest to their penalty APR. The Citi Simplicity® Card by no means fees a penalty charge, so your APR is not susceptible to growing as a consequence of 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.
