Evaluation: 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 will 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 should you plan on shopping for something with the cardboard.

Select your cost due date: Slightly flexibility can go a good distance in terms of managing your funds. The cardboard permits you to select from any obtainable cost date, whether or not it is to start with, center, or finish of the month. That manner, you possibly can arrange computerized funds which are aligned together with your paycheck.

No late charges: One of the 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 should you 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. Citi Simplicity® Card by no means fees 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 aim is to repay debt.