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

0% introductory APR for 12 months on Purchases on purchases: You will additionally get a 0% intro APR on new purchases for the primary 12 months on Purchases. It is a useful perk in case you plan on shopping for something with the cardboard.

Select your cost due date: A bit of flexibility can go a good distance in the case of managing your funds. The cardboard helps you to select from any out there cost date, whether or not it is at first, center, or finish of the month. That method, you may 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 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 case you do slip up and miss a cost.

No penalty APR: When you miss some funds, most bank cards will enhance your rate of interest to their penalty APR. The Citi Simplicity® Card by no means prices a penalty charge, so your APR is not liable to growing as a result of late funds.

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