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To start, the Citi Simplicity Card - No Late Fees Ever features an incredibly lengthy 21-month 0% intro APR on purchases and balance transfers — the longest 0% intro APR period we've seen!

This makes it ideal for those who want to use the card for a big purchase or to transfer balances from another card(s) with high interest rates.

As long as the balance is paid off by the end of the period, these cards stack up against the best of the interest free finance or purchase loans you’d find on the high street - from furniture or electrical retailers for example.

The watchwords here are ‘paid off’ though, and if you think it’s unlikely that you’d clear the debts even over two and a half years, you are probably better off seeking out the best long term low rate deal, currently But if your rewards of choice don’t need to be all about the money in your pocket and can be more specific, such as Nectar points or M&S vouchers, they can be worth more than the cash return on your credit card spending.On top of that, the card has automatic email and text alerts for when payments are due or if you exceed your credit limit, so you can stay in the know with your account.It also will monitor your balance levels and send you a notification when it hits certain thresholds.Each time their hardware matches, its turned in for a new set of hardware and each person gets another raffle ticket for great prizes donated by local businessesor maybe even a date?Judging from the popularity of the events (attendance has doubled at each new gathreing) this formula for love seems to be working.Don’t be a thief—save your grade, use Bib Me™ and give credit to those who deserve it!