0% initial APR for 21 months on balance transfer: One of the longest introductory periods of balance transfer, you will get 0% intro APR on the balance transferred for full 21 months, which means you will have about two years to pay your balance.
0% initial APR for 12 months on purchase: You will also receive 0% intro APR on new purchases for the first 12 months. This is a helpful advantage if you plan to buy something with the card.
Choose your payment deadline: A little flexibility in your financial management can go a long way. The card lets you choose from any available payment date, be it at the beginning, middle or end of the month. That way, you can set up automatic payments that line up with your paycheck.
No delay fee: One of the most unique advantages is that there are no late fees. Although you should always pay your bills on time, as late payments can still affect your credit, it is good to know that you will not be charged if you slip up and miss a payment.
No penalty APR: If you miss some payments, most credit cards will raise your interest rate to their penalty APR. The Citi® Simplicity® card never charges a penalty rate, so there is no risk of your APR increasing due to late payments.
There is no annual fee: This card comes without any annual fee, which is an important feature if your goal is to repay the loan.