|Rewards||Expedited service calls, no late fees, no penalty rate, car rental insurance, citibank will help find lower price on purchases and refund you if you spent too much, $0 liability on unauthorized charges.|
|Annual Fee||No annual fee|
|Cardmember Agreement||View Here|
|Cash Advance APR||12.99%, 15.99%, 18.99%, 20.99%, or 22.99%, based on your creditworthiness.|
|Cash Advance Fee||Either $10 or 5% of the amount of each cash advance, whichever is greater.|
|Late Payment Fee||None|
|Purchases APR||0% introductory APR for 21 months from date of account opening. After that, your APR will be 12.99%, 15.99%, 18.99%, 20.99%, or 22.99%, based on your creditworthiness.|
I love this card. No late fees, no annual fees. Because I had NO DEBT, no Mortgage payment, car payment, I couldn't get credit. Go figure. Simplicity immediately approved me and I've now established credit and my credit score went from 600 to almost 800. I can use this card for my vacations now, home repairs.I haven't had to deal with the CS dept. yet so can't comment on that. I keep my balance low-medium, it helps to get credit increases.
Had it for a couple of years, take it or leave it.
I wanted to pay this card off and thought it was done in January. For some reason, I have to call in every month because the automatic payment won't work. So...they said they couldn't make the transfer and the card was not paid off in December. I have to call every month.
I have had this card for over 2 years and so far so good.
Misinformed about 0% balance transfer.