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Evaluate: Citi Simplicity Credit score Card

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. This can be a useful perk for those who plan on shopping for something with the cardboard.

Select your fee due date: Somewhat flexibility can go a good distance with regards to managing your funds. The cardboard helps you to select from any accessible fee date, whether or not it is to start with, center, or finish of the month. That manner, you possibly can arrange computerized funds which are aligned together with your paycheck.

No late charges: Probably the most 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 just will not be charged for those who 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 costs a penalty fee, so your APR is not liable to rising as a result of late funds.

No annual payment: This card comes with no annual payment, which is a crucial function in case your objective is to repay debt.

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