Review: Citi Simplicity Credit Card | The Ascent – Pegars News

0% introductory APR for 21 months on stability transfers: One of the longest introductory intervals on stability transfers we’ve come throughout, you’ll get a 0% intro APR on the stability transferred for a full 21 months, which implies you’ll have nearly two years to repay your stability.

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

Choose your cost due date: A bit of flexibility can go an extended way when it comes to managing your funds. The card lets you select from any accessible cost date, whether or not it’s in the starting, center, or finish of the month. That way, you can set up computerized funds that are aligned with your paycheck.

No late charges: One of the most original perks is that there are no late charges, ever. While you ought to always pay your invoice on time, as a result of late funds can nonetheless have an effect on your credit score, it’s good to know that you will not be charged if you do slip up and miss a cost.

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 price, so your APR is not at danger of growing due to late funds.

No annual price: This card comes with no annual price, which is an necessary characteristic if your aim is to repay debt.

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