Evaluation: Citi Simplicity Credit score Card

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

0% introductory APR for 12 months on Purchases: You will additionally get 0% intro APR for the primary 12 months on Purchases. This can be a useful perk for those who plan on shopping for something with the cardboard.

Select your cost due date: A little bit 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 manner, you possibly can arrange computerized funds which might be aligned along with your paycheck.

No late charges: One of the vital distinctive perks is that there aren’t 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 for those who do slip up and miss a cost.

No penalty APR: For those who miss some funds, most bank cards will enhance your rate of interest to their penalty APR. The Citi Simplicity® Card by no means fees a penalty price, so your APR is not prone to rising as a consequence of late funds.

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