0% Introductory APR for 21 months on balance transfer: One of the longest balance transfer introductory periods we've encountered, you'll receive a 0% introductory APR on your transferred balance for a full 21 months. That means it will take almost two years to pay off the balance.
0% introductory APR for 12 months on purchases: You'll also receive 0% new APR on new purchases for the first 12 months. This is a useful benefit if you plan to buy anything with the card.
Select payment due date: A little flexibility when it comes to managing your finances can go a long way. This card allows you to choose when you can make payments: at the beginning, middle, or end of the month. This way, you can set up automatic payments based on your paycheck.
No late fees: One of the most unique perks is that there are absolutely no late fees. You should always pay your bills on time, but late payments can affect your credit, so it's good to know that you won't be charged if you accidentally miss a payment.
no penalty If you miss some payments, most credit cards will increase your interest rate by the penalty APR. The Citi Simplicity® Card doesn't charge penalty rates, so you don't risk your APR increasing for late payments.
No annual fee: There is no annual fee for this card. This is an important feature if your goal is to pay off debt.