Overview: Citi Simplicity Credit score Card
0% introductory APR for 21 months on Steadiness Transfers 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 on Steadiness Transfers, which implies you’ll have nearly 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 for those who plan on shopping for something with the cardboard.
Select your fee due date: A little bit flexibility can go a great distance on the subject of managing your funds. The cardboard permits you to select from any out there fee date, whether or not it is to start with, center, or finish of the month. That approach, you’ll be able to arrange computerized funds which might be aligned along with your paycheck.
No late charges: Probably the most distinctive perks is that there aren’t 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 just will not be charged for those who do slip up and miss a fee.
No penalty APR: If you happen to miss some funds, most bank cards will improve your rate of interest to their penalty APR. The Citi Simplicity® Card by no means prices a penalty charge, so your APR is not vulnerable to rising as a result 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.
