No Annual Fee1
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Low Intro APR On Purchases For Months

% Intro APR for months on purchases from date of account opening; after that, the variable APR will be % - %, based on your creditworthiness.1

Low Intro APR On Balance Transfers For Months

% Intro APR for months on balance transfers from date of first transfer; after that, the variable APR will be % - %, based on your creditworthiness.1

And more…

No annual fee1

$0 liability on unauthorized charges

Free Access to Your Fico® Score

Mastercard® ID Theft Protection available for no additional charge

If you transfer a balance with this offer, interest will be charged on new purchases and unpaid introductory balances after your %1 introductory APR on purchases has expired, unless you pay the entire balance (including any transferred balance) in full each month by the due date. Balance Transfer Fee: Either $ or % of the amount of each credit card balance transfer, whichever is greater.1

This offer is available if you apply through the method(s) provided in this ad today. Offers may vary and this offer may not be available in other places where the card is offered.


24/7 Customer Service

Our customer service representatives are available to assist you 24 hours a day, 7 days a week.

Automatic Account Alerts

Alerts keep you informed and stress-free. Once you've set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit, by email or directly on your mobile phone.

Choose your Payment Due Date

Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.

Digital Wallets

Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at

Tap Your Card with Contactless Pay

Shop safely with a contactless-chip enabled card. Just tap your card on the payment reader and go in seconds.

Help Keep Your Identity Safe

The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit to learn more.

$0 Liability on Unauthorized Charges

You're completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise. For additional information on this, please visit for details.

Citi Entertainment®

Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.



Please note that the terms and benefits of this product may change over time.

Citi does not guarantee the accuracy of these reviews. Benefits, fees, terms, and offers mentioned in reviews may change over time.

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Introductory rate of % for months from date of account opening on purchases and for months from date of first transfer of balance transfers completed within 4 months of account opening. After that, the standard purchase APR will be applied to unpaid introductory balances, new purchases and new balance transfers. The standard variable APR for purchases is % to %, based on your creditworthiness. Please note that these rates will vary with the Prime Rate. The standard variable APR for Citi Flex Plan is % to %, based on your creditworthiness. Standard variable cash advance APR – %. Variable Penalty APR up to 29.99% and applies if you pay late or your payment is returned. Minimum interest charge – $. Annual Fee – None. Fee for foreign purchases – % of the U.S. dollar amount of each purchase. Cash advance fee – either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee – either $ or % of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.

Certain terms and conditions apply. Coverage details will be provided upon card membership or you can visit