Assessment: Citi Simplicity Credit score Card

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

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 in case you plan on shopping for something with the cardboard.

Select your cost due date: A bit flexibility can go a great 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 to start with, center, or finish of the month. That means, you may arrange automated funds which might be aligned together 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 in case you do slip up and miss a cost.

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

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