Some cardholders aren’t interested in airline miles or hotel points. Also, they don’t want to earn points in some complicated bank rewards scheme. For these cardholders, the most important reward that they can receive is the highest possible rate of cash back.
And while there are many cards that offer higher levels of cash back on limited amounts of specific purchases, a no-nonsense credit card user wants to receive a strong rate of all of their purchases, with no limits. And finally, cardholders prefer products with no annual fee. [click to continue…]
For several years now, the best promotional offers featured, at most 18 months of interest free financing on new purchases, balance transfers, or both. But today, that is no longer the case. The Citi Simplicity card now reigns supreme, with an amazing 21 months of 0% APR financing on both new purchases and balance transfers, with a 3% balance transfer fee.
Clearly, Citi is looking to stand out in a crowded field of products that are offering 15 or 18 month long promotional financing periods. But the Simplicity card is not just a card with the longest promotional financing period, it actually has lot going for it. [click to continue…]