Review: Citi Simplicity Credit Card | The Ascent

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 suggests you’ll have virtually 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 when you plan on shopping for something with the cardboard.

Choose your cost due date: A bit of flexibility can go a great distance with regards to managing your funds. The card enables you to select from any out there cost date, whether or not it is at first, center, or finish of the month. That manner, you may arrange automated funds which might be aligned together 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 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 when you do slip up and miss a cost.

No penalty APR: If you 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 price, so your APR is not liable to rising attributable to late funds.

No annual charge: This card comes with no annual charge, which is a crucial function in case your objective is to repay debt.



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