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Updated on June 27, 2022 1:18 am

Assessment: Citi Simplicity Credit score Card

0% introductory APR for 21 months on steadiness transfers: One of many longest introductory durations on steadiness transfers we have come throughout, you may get a 0% intro APR on the steadiness transferred for a full 21 months, which suggests you’ll have nearly two years to repay your steadiness.

0% introductory APR for 12 months on purchases: You may additionally get a 0% intro APR on new purchases for the primary 12 months. This can be a useful perk should you plan on shopping for something with the cardboard.

Select your cost due date: Slightly flexibility can go a great distance with regards to managing your funds. The cardboard enables you to select from any out there cost date, whether or not it is to start with, center, or finish of the month. That approach, you possibly can arrange computerized funds which are aligned together with your paycheck.

No late charges: One of the crucial distinctive perks is that there are not any late charges, ever. Whilst you ought to at all times 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 simply will not be charged should you do slip up and miss a cost.

No penalty APR: In the event 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 charge, so your APR is not vulnerable to growing because of late funds.

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


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