Review: Citi Simplicity Credit Card
0% Introductory APR for 21 Months on Balance Transfers: With one of the longest intro periods on balance transfers we’ve seen, you’ll get a 0% intro APR on transferred balance for a full 21 months on balance transfers, which means you’ll have almost two years to make your payments. Will be. balance.
0% Introductory APR for 12 months on purchases: You’ll also get a 0% intro APR on new purchases for the first 12 months at purchase. This is a useful benefit if you plan to buy anything with the card.
Select your payment due date: A little flexibility can go a long way when it comes to managing your finances. The card lets you choose from any available payment date, whether it’s the beginning, middle or end of the month. This way, you can set up automatic payments as per your salary.
No late fee: One of the most unique features is that there are never any late fees. Although you should always pay your bills on time, as late payments can still affect your credit, it’s good to know that you won’t be charged if you slip up and miss a payment.
No penalty April: If you miss a few payments, most credit cards will raise your interest rate up to their penalty APR. The Citi Simplicity® Card never charges a penalty rate, so you don’t risk having your APR increase due to late payments.
No Annual Fee: This card comes with no annual fee, which is an important feature if your goal is to pay off debt.
