0% Introductory APR for 21 months on balance transfers: One of the longest introductory periods that we have encountered, you get 0% intro Apr for a full 21 months on balance transfers, which means that you have almost two years to pay off your balance.
0% Introductory April for 12 months when purchases: You also get 0% intro Apr during the first 12 months when purchasing. This is a useful advantage if you are planning to buy something with the card.
Choose the expiry date of your payment: A little flexibility can go a long way when it comes to managing your finances. With the card you can choose from any available payment date, whether it is in the beginning, the middle or end of the month. In this way you can set automatic payments that are tailored to your salary.
No late costs: One of the most unique benefits is that there are never late costs. Although you always have to pay your invoice on time, because late payments can still influence your credit, it is nice to know that you will not be charged if you slide and miss a payment.
No punishment: If you miss some payments, most credit cards will increase your interest to their fine. The Citi Simplicity® card never charges a fine, so your APR is not at risk of increasing payments.
No annual reimbursement: This card comes with no annual reimbursement, which is an important feature if your goal is to pay off debts.
