0% introductory APR for 21 months on balance transfers: One of the longest introductory periods for balance transfers we’ve been through, you’ll get 0% upfront APR on the balance transferred for the full 21 months, which means you’ll have approximately two years to pay off your balance.
0% introductory APR for 12 months on purchases: You will also get 0% APR on new purchases for the first 12 months. This is a useful feature if you plan to purchase anything with the card.
Choose the payment due date: A little flexibility can go a long way when it comes to managing your money. The card allows you to choose from any available payment date, whether it is the beginning, middle or end of the month. This way, you can set up automatic payments that align with your salary.
No delay fee: One of the most unique advantages is that there are absolutely no late fees. Although you should always pay your bill on time, since late payments can affect your balance, it’s good to know that you won’t be charged if you fail to pay and lose payment.
No penalty APR: If you miss some payments, most credit cards will increase your interest rate to the APR. The Citi® Simplicity® Card never charges a penalty rate, so your APR card doesn’t run the risk of being overcharged due to late payments.
No annual fee: This card does not come without an annual fee, which is an important perk if your goal is to pay off debt.