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Review: Citi Simplicity Credit Card

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0% introductory APR for 21 months on steadiness transfers: One of many longest introductory intervals 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 may additionally get a 0% intro APR on new purchases for the primary 12 months. This can be a useful perk in the event you plan on shopping for something with the cardboard.

Select your fee due date: A bit of flexibility can go a good distance in terms of managing your funds. The cardboard enables you to select from any accessible fee date, whether or not it is at first, center, or finish of the month. That manner, you’ll be able to arrange computerized funds which can be aligned along with your paycheck.

No late charges: One of the vital 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 in the event you do slip up and miss a fee.

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

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

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