0% introductory APR for 21 months on stability transfers: One of the 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 nearly two years to repay your stability.

0% introductory APR for 12 months on purchases: You’ll additionally get a 0% intro APR on new purchases for the primary 12 months. This is a useful perk in the event you plan on shopping for something with the cardboard.

Choose your cost due date: A bit of flexibility can go a great distance with regards to managing your funds. The card allows you to select from any obtainable cost date, whether or not it is at first, center, or finish of the month. That approach, you may arrange computerized funds which can be aligned along with your paycheck.

No late charges: One of essentially the most distinctive perks is that there aren’t any late charges, ever. While it’s best 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 the event you do slip up and miss a cost.

No penalty APR: If 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 prone to rising because of late funds.

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