0% introductory APR for 21 months on balance transfers: One of the longest introductory periods we’ve seen on balance transfers, you’ll get 0% introductory APR on the transferred balance for a full 21 months, meaning you’ll be almost two years old to pay off your balance.
0% introductory APR for 12 months on purchases: You’ll also get a 0% introductory APR on new purchases for the first 12 months. This is a useful advantage if you plan to buy something with the card.
Choose your payment due date: A little flexibility can go a long way when it comes to managing your finances. The card allows you to choose from any available payment date, be it the beginning, middle or end of the month. This way, you can set up automatic payments aligned with your salary.
No late fees: One of the most unique benefits is that there are never any late fees. While you should always pay your bill on time, as late payments can still affect your credit, it’s good to know that you won’t be charged if you make a mistake and miss a payment.
No APR penalty: If you miss some payments, most credit cards will raise your interest rate up to their APR penalty. The Citi Simplicity® Card never charges a penalty, so your APR won’t increase due to late payments.
No annual fee: This card has no annual fee, which is an important feature if your goal is to pay off debt.
