0% introductory APR for 21 months on balance transfers: This is one of the longest introductory balance transfer periods we’ve seen, and you’ll earn 0% APR on balance transfers for a full 21 months, meaning you’ll have almost two years to pay off your balance transfer. balance.
Enjoy 0% introductory APR for 12 months on purchase: You also get an introductory 0% APR on new purchases for the first 12 months. This is a helpful perk if you plan on using the card to purchase anything.
Select your payment due date: When it comes to managing your finances, a little flexibility can go a long way. The card allows you to choose any available payment date, whether it’s the beginning, middle or end of the month. This way, you can set up automatic payments that match your paycheck.
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, as late payments can still affect your credit, it’s good to know that if you make a mistake and miss a payment, you won’t be charged.
No-penalty APR: If you miss certain payments, most credit cards will increase your interest rate to a penalty APR. The Citi Simplicity® Card never charges a penalty, so your APR is never at risk for late payments.
No annual fee: This card has no annual fee, which is an important feature if your goal is to pay off debt.
