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0% after launching for 21 months on equilibrium transfers: One of the longest introductory periods we have encountered, you will get 0% intro after 21 months on balance transfers, which means that you will have almost two years to reimburse your balance.
0% after introductory for 12 months on purchases: You will also get 0% intro after the first 12 months on purchases. This is a useful advantage if you plan to buy anything with the card.
Choose the due date of your payment: A little flexibility can go very far when it comes to managing your finances. The card allows you to choose from any available payment date, whether at the start, in the middle or at the end of the month. In this way, you can configure automatic payments that are aligned with your pay check.
No delay fees: One of the most unique advantages is that there is never a delay fees. Although you always have to pay your bill in time, because late payments can always affect your credit, it is good to know that you will not be billed if you slip and miss a payment.
No penalty after: If you lack payments, most credit cards will increase your interest rate to their APR penalty. The Citi Simplicity® card never charges penalty levels, so your APR is not at the risk of increasing due to late payments.
No annual fees: This card has no annual costs, which is a significant feature if your goal is to repay the debt.
