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 fee due date: A little bit flexibility can go a great distance with regards to managing your funds. The cardboard enables you to select from any accessible fee date, whether or not it is to start with, center, or finish of the month. That means, you possibly can arrange computerized funds which might be aligned together with your paycheck.
No late charges: One of the vital distinctive perks is that there aren’t any late charges, ever. Whilst 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: If you happen to 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 liable 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 objective is to repay debt.
