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0% Introductory APR for 21 Months on Balance Transfers: This is one of the longest balance transfer introductory periods we’ve come across, and you’ll get a full 21 months of 0% introductory APR on your transferred balance, which means you’ll have nearly two years to pay off your balance.
Enjoy 0% Introductory APR for 12 months on the following products: You’ll also get a 0% introductory APR on new purchases for the first 12 months, which is a helpful perk if you plan on buying anything with this card.
Select your payment due date: A little flexibility can go a long way when it comes to managing your finances. This card lets you choose any available payment date, whether it’s the beginning, middle, or end of the month. That way, you can set up automatic payments that align with your paycheck.
No late payment fees: One of the most unique perks is that there are never any late fees. While you should always pay your bills on time, as late payments can still hurt your credit, it’s nice to know that if you do slip up and miss a payment, you won’t be charged a fee.
No Penalty Annual Interest Rate: Most credit cards will increase your interest rate to their penalty APR if you miss some payments. The Citi Simplicity® Credit Card never charges a penalty interest rate, so your APR isn’t at risk of increasing 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.
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