Introductory APR 0% for 21 months on balance transfers: One of the longest balance transfer rollouts we’ve come across, you’ll get a 0% intro APR on your balance transferred for 21 months, which means you’ll have almost two years to pay pay off your balance.
0% intro APR for 12 months on purchase: You’ll also get 0% referral APR on new purchases for the first 12 months. This is a useful perk if you plan to buy anything with the card.
Choose your payment due date: A little flexibility can help you manage your finances in the long run. The card lets you choose from any of the available payment dates, whether it’s the beginning, middle, or end of the month. That way, you can set up automatic payments that match your payslip.
No late fees: One of the most unique perks is that there are never late fees. While you should always pay your bills on time, because late payments can still hurt your credit, it’s good to know that you won’t be charged if you’re negligent and miss a payment. maths.
APR is not penalized: If you miss some payments, most credit cards will increase your interest rate to the penalty APR. The Citi® Simplicity® card never charges a penalty fee, so your APR is not at risk of increased due to late payments.
No annual fee: This card has no annual fee, which is an important feature if your goal is to pay off debt.