Overview: Citi Simplicity Credit score Card

0% introductory APR for 21 months on steadiness transfers: One of many longest introductory intervals on steadiness transfers we have come throughout, you will get a 0% intro APR on the steadiness transferred for a full 21 months, which suggests you’ll have virtually two years to repay your steadiness.

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 should you plan on shopping for something with the cardboard.

Select your cost due date: A bit flexibility can go a great distance with regards to managing your funds. The cardboard allows you to select from any obtainable cost date, whether or not it is to start with, center, or finish of the month. That method, you’ll be able to arrange computerized funds which are aligned along with your paycheck.

No late charges: Probably the most distinctive perks is that there are not 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 simply will not be charged should you do slip up and miss a cost.

No penalty APR: When you miss some funds, most bank cards will improve your rate of interest to their penalty APR. The Citi Simplicity® Card by no means expenses a penalty price, so your APR is not prone to rising attributable to late funds.

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