Review: Citi Simplicity Credit Card

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

0% introductory APR for 12 months on purchases: You'll also receive a 0% introductory APR on new purchases for the first 12 months. This is a useful perk if you plan to buy something with the card.

Choose your payment due date: A little flexibility can go a long way when it comes to managing your finances. The card allows you to choose from any available payment date, whether at 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 late fees. Although you should always pay your bill on time because late payments can still 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 certain payments, most credit cards will increase your interest rate up to their APR penalty. The Citi Simplicity® Card never charges a penalty, so your APR is unlikely to increase due to late payments.

No annual fee: This card has no annual fee, which is an important feature if your goal is to pay off debt.

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