0% introductory APR for 21 months on stability transfers: One of many longest introductory stability switch intervals we have come throughout, you will get 0% intro APR in your stability transferred for a full 21 months, which means you will have almost two years to repay your stability.
0% introductory APR for 12 months on purchases: You may additionally get a 0% introductory APR on new purchases for the primary 12 months. This can be a helpful benefit if you happen to plan to purchase one thing with the cardboard.
Select your cost due date: Just a little flexibility can go a great distance in terms of managing your funds. The cardboard permits you to select from any accessible cost date, be it the start, center or finish of the month. This fashion, you’ll be able to arrange computerized funds which might be aligned along with your paycheck.
No late charges: One of the crucial unique benefits is that there are by no means late charges. 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 if you happen to default and miss a cost.
APR with out penalty: In case you miss just a few funds, most bank cards will increase your rate of interest as much as the penalty APR. The Citi Simplicity® Card by no means fees a penalty price, so your APR is not in danger for late funds.
No annual price: This card comes with no annual price, which is a crucial function in case your objective is to repay debt.
