0% introductory APR for 21 months on Balance Transfers: This is one of the most extended introductory offers available; you’ll receive 0% introductory APR for a complete 21 months on Balance Transfers, offering you nearly two years to settle your balance.
0% introductory APR for 12 months on Purchases: Additionally, you’ll benefit from 0% introductory APR for the initial 12 months on Purchases. This is a valuable advantage if you intend to make purchases using the card.
Choose your payment due date: A bit of flexibility can significantly aid in managing your financial responsibilities. The card allows you to select from any available payment date, be it at the start, middle, or end of the month. This way, you can arrange automatic payments that sync up with your salary.
No late fees: One of the standout benefits is the absence of late fees, at any time. Although it’s essential to ensure your bill is paid punctually, as late payments may still impact your credit, it’s reassuring to know that you won’t incur charges if you accidentally miss a payment.
No penalty APR: If you miss payments, many credit cards will elevate your interest rate to their penalty APR. However, the Citi Simplicity® Card never implements a penalty rate, meaning your APR won’t increase due to delayed payments.
No annual fee: This card comes with zero annual fees, a significant aspect if your aim is to pay down debt.
