No Annual Fee1
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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

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

And more…

No annual fee1

No late fees1

No penalty rate1

$0 liability on unauthorized charges

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: Intro balance transfer fee of $ or % of the amount of the transfer, whichever is greater for transfers completed within 4 months of account opening. After that, % of each transfer (minimum $).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.

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.

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.

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

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.

24/7 Customer Service

Questions about your Citi® card account? Just call the number on the back of your credit card. Just say 'representative' to access fast, live help from a friendly Customer Service representative ready to help with virtually every aspect of your cardmembership (including technical assistance) —24 hours a day, 365 days a year.



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 for balance transfers completed within 4 months of account opening. After each promotional period ends, a variable APR of % - %, based on your creditworthiness, applies to unpaid promotional balances, new purchases and new balance transfers. For Citi Flex Plans subject to an APR, the variable APR is % - %, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances is %. 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 — intro fee of % of each transfer ($ minimum) completed within the first 4 months of account opening. After that, % of each transfer ($ minimum). New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.