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Review: Citi Simplicity Credit Card

0% introductory APR for 21 months on steadiness transfers: One of the longest introductory durations 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 nearly two years to repay your steadiness.

0% introductory APR for 12 months on purchases: You’ll additionally get a 0% intro APR on new purchases for the primary 12 months. This is a useful perk should you plan on shopping for something with the cardboard.

Choose your fee due date: Just a little flexibility can go a great distance with regards to managing your funds. The card allows you to select from any accessible fee date, whether or not it is to start with, center, or finish of the month. That means, you possibly can arrange automated funds which can be aligned along with your paycheck.

No late charges: One of essentially the most distinctive perks is that there are not any late charges, ever. While it’s best 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 just will not be charged should you do slip up and miss a fee.

No penalty APR: If you miss some funds, most bank cards will enhance your rate of interest to their penalty APR. Citi® Simplicity® Card by no means costs a penalty charge, so your APR is not vulnerable to rising as a result of late funds.

No annual charge: This card comes with no annual charge, which is a vital characteristic in case your aim is to repay debt.

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