0% introductory APR for 21 months on balance transfers: Experience one of the longest introductory periods on balance transfers since you’ll acquire a 0% intro APR on the balance transferred for a complete 21 months. This signifies that you’ll have almost two years to pay off your balance.
0% introductory APR for 12 months on purchases: You’ll also receive a 0% intro APR on new purchases for the primary 12 months. This is an advantageous perk if you plan to acquire anything with the card.
Choose your payment due date: Flexibility is crucial when managing finances. The card provides the choice of any available payment date, whether in the beginning, middle, or end of the month. Therefore, you can establish automatic payments aligned with your paycheck.
No late fees: One of the most unique benefits is that there are no late fees, ever. While it is necessary to pay your bill on time, because late payments can still impact your credit, it’s reassuring to know that you won’t be charged if you do miss a payment.
No penalty APR: Most credit cards will upsurge your interest rate to their penalty APR if you miss payments. The Citi Simplicity® Card never imposes a penalty rate; therefore, your APR isn’t at risk of increasing due to late payments.
No annual fee: The absence of annual fees is a vital characteristic if your aim is to pay off debt.
