Review: Citi Simplicity Credit Card

Introductory APR of 0% for 21 months on balance transfers: One of the longest introductory periods on balance transfers we’ve come across, you’ll get a 0% introductory APR on the balance transferred for a full 21 months, meaning you’ll have almost two years to pay off your balance.

0% Introductory APR for 12 months on purchases: You’ll also get a 0% introductory APR on new purchases for the first 12 months. This is a useful perk if you plan on buying anything with the card.

Choose your payment due date: A little flexibility can go a long way in managing your finances. The card allows you to choose from any available payment date, be it the beginning, middle or end of the month. This way, you can set up automatic payments aligned with your salary.

No late fees: One of the most unique benefits is that there are never any late fees. Although you should always pay your bill on time, as late payments can always affect your credit, it’s good to know that you won’t be charged if you make a mistake and miss a payment.

No APR penalty: If you miss some payments, most credit cards will raise your interest rate up to their APR penalty. The Citi® Simplicity® Card never charges a penalty rate, so your APR won’t 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.