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 when you plan on shopping for something with the cardboard.

Select your fee due date: Just a little flexibility can go a great distance in the case of 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 method, you’ll be able to arrange automated funds which are aligned along with your paycheck.

No late charges: One of the crucial distinctive perks is that there are not 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 when 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. Citi® Simplicity® Card by no means prices a penalty price, so your APR is not vulnerable to rising on account of late funds.

No annual payment: This card comes with no annual payment, which is a vital characteristic in case your purpose is to repay debt.

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