You may not be looking to collect miles and points all the time but are often looking to make a big purchase while paying the lowest APR. Or are you already paying interest on credit card balances that you can’t pay off right away? I may have a solution for you to save lot of $$$ without worrying even about the annual fees. You can find this card and more here.
While there are many other cards with 0% intro APRs, none can beat the length of Simplicity’s 21-month 0% intro APR nor can any other card match its no-fee policy. Although I don’t recommend spending more than you can afford, Citi Simplicity can help with the purchases you need to make now but may not be able to pay for right away, allowing you to avoid any interest fees for 21 months. You can also transfer balances from other high interest rate cards onto Simplicity to eliminate interest you’re already paying for 21 months.
In short, this is a great 0% intro APR card that could save you some serious money in interest and fees as well as give you the time to pay down your purchases and balance transfers. More strong features include the no late fees and no penalty rates. That means if you happen to be late on a monthly payment or two Citi Simplicity won’t charge you a late fee, and they won’t penalize you with a higher interest rate (of course, you’ll be paying 0% interest for the first 21 months, but after that time period you won’t be penalized with an increased interest rate). Plus there is no annual fee to worry about. Both these perks together, along with the 21-month 0% APR make this a standout card.
Although Citi Simplicity’s 21-month 0% intro APR is outstanding, if you are planning to transfer a balance from another card there is a 3% balance transfer fee to consider. This fee can add up, but for most people it’s worth it and they will still save money over the course of an interest-free 21 months (to see for sure check out this Balance Transfer Calculator)
Everything considered, Citi Simplicity is a terrific card to have in your wallet. This is particularly true if you are planning to make some large or small purchases and want the cushion of a 21-month 0% intro APR to help pay them off without paying any interest. It’s also a good choice if you’re carrying balances on high-interest credit cards and are looking for a solution to pay them down interest-free. Plus, Citi Simplicity has no annual fee as well as no late fees and no penalty rates. You can apply for this card by following the link here.