Evaluate: Citi Simplicity Credit score Card

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

0% introductory APR for 12 months on purchases: You will 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 of flexibility can go a great distance with regards to managing your funds. The cardboard helps you to select from any accessible cost date, whether or not it is to start with, center, or finish of the month. That method, you may arrange computerized funds which might be aligned along with your paycheck.

No late charges: One of the crucial distinctive perks is that there are not any late charges, ever. When 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 should you do slip up and miss a cost.

No penalty APR: Should you 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 susceptible to rising on account 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.

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