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Review: CitiSimplicity Credit Card | Ascent

21-month introduction of 0% on balance transfer APR: Get an introduction APR of 0% of the balance transferred for 21 months, which is one of the longest introduction periods of balance transfer we have encountered. In other words, it takes almost two years to repay the balance.

0% referral for 12 months at the time of purchase APR: Also, for the first 12 months, you will get a 0% intro APR on new purchases. This is a useful perk if you plan to buy something with your card.

Please select a payment deadline: A little flexibility can be of great help when it comes to managing your finances. With the card, you can choose from any available payment dates, whether at the beginning, middle, or end of the month. That way, you can set up automatic payments to match your salary.

No late fees: One of the most unique perks is that there are no late fees. You always have to pay your invoice on time, but it’s useful to know that late payments can affect your credit, so if you miss a payment late, you won’t be charged.

No penalty April: If you miss some payments, most credit cards will raise your interest rate up to their penalty APR. Citi® Simplicity® cards do not charge a penalty rate, so there is no risk of late payments and increased APR.

There is no annual fee: There is no annual fee for this card. This is an important feature if you are aiming for debt repayment.

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