It's official: now avoid credit card interest into 2024

If you're carrying recognition paper debt, you cognize however frustrating it is watching your payments get eaten up by involvement alternatively of reducing your balance. It's hard to get retired of that hole.

Here’s the reality: the mean idiosyncratic with $5,000 successful indebtedness often pays implicit $1,200 successful involvement each year. That's wealth that could beryllium paying down your existent indebtedness instead.

The Citi Simplicity® Card tin springiness you a mode out.

Move your indebtedness to the paper and you’ll wage 0% intro APR for 21 months connected Balance Transfers — astir 2 afloat years interest-free wherever each dollar goes straight toward eliminating your debt, not to the bank.

• 0% intro APR for 21 months connected Balance Transfers — One of the longest 0% periods available, letting you intermission involvement good into 2027 portion you wage down your debt.
• 0% intro APR for 12 months connected Purchases — Avoid involvement for a afloat twelvemonth connected caller spending too.
• No precocious fees, ever — Life happens, and this paper won't punish you with $40 punishment fees.
• No punishment APR — One missed outgo won't trigger a complaint spike.
• $0 yearly fee — Keep much wealth successful your pocket.

Applicants with a bully to fantabulous recognition people (670+) typically person the champion likelihood of approval.

Plus: This paper charges conscionable a 3% equilibrium transportation interest (minimum $5) if completed wrong the archetypal 4 months of relationship opening. After that, the interest is 5% of each transportation (minimum $5).

That 3% complaint beats the 5% astir akin cards complaint — connected a $5,000 transfer, that's $100 successful savings owed to the overmuch little fee.

Let’s accidental you person $5,000 successful recognition paper indebtedness astatine 24% APR. Here’s what that could truly cost:

• Without this card: $2,578 successful involvement implicit 21 months
• With this card: $0 involvement — conscionable a $150 equilibrium transportation fee
• Total saved: $2,428 — existent wealth backmost successful your pouch alternatively of going to the bank

And if you person much than $5,000 successful debt, your savings could beryllium adjacent higher.

If you’re superior astir paying disconnected recognition paper debt, 2 things substance most: locking successful arsenic overmuch interest-free clip arsenic imaginable — and acting rapidly earlier much involvement piles up.

With 0% intro APR for 21 months connected Balance Transfers, The Citi Simplicity® Card gives you astir 2 years to marque existent advancement connected your debt, alternatively of watching involvement devour up your payments each month.

You won’t adjacent wage an yearly interest to clasp the card, and applying takes conscionable a fewer minutes from your telephone oregon computer.

But don’t hold excessively agelong — we often spot 0% intro APR periods get chopped without notice, truthful it’s astute to enactment portion this one’s inactive available.