0% Introduction APR for 21 Months with Balance Transfer: One of the longest adoption periods we've encountered, we get a 21 Months full Intro APR for 21 Months with Balance Transfer.
0% Introduction to 12 Months of APR at Purchase: You will also get 0% Intro APR for the first 12 months at Purchase. If you are planning to buy something with a card, this is a useful perk.
Please select a payment due date. A little flexibility can be a big help when it comes to managing your finances. This card allows you to choose from available payment dates, whether at start, mid-term, or the end of the month. This will allow you to set up automatic payments that match your salary.
No postponement: One of the most unique perks is the lack of postponement fees. You should always pay your bills on time as late payments can still affect your credit, but if you slip and miss your payment, it's nice to know that you won't be charged.
Penalty APR: If you miss a payment, most credit cards will increase interest rates to penalty APR. CitiSimplicity® cards do not charge a penalty rate, so APR is late in paying so there is no risk of an increase.
There is no annual fee: This card does not have an annual fee. This is an important feature if your goal is to pay off your debt.