Annual Fee: No Annual Fee
Purchase APR: 13.99% - 0% variable APR based on your creditworthiness.1
Balance Transfer APR: Balance Transfer APR: 0% Intro APR on balance transfers for 15 months. After that the variable APR will be 13.99% - 0%, based on your creditworthiness.
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater1
0% Intro APR on balance transfers for 15 months1
After that the variable APR will be 13.99% - 0%, based on your creditworthiness1
Up to 1.5% back on purchases, with no earning limits1
Savings credits posts automatically to your account each month
No annual fee1
Earn automatic savings on every purchase, up to 1.5 % with no limit1
Statement Credits are posted to your account automatically each month – no paperwork, no minimum, no waiting1
Amount you save will be based on the amount of purchases you make each month1
- For the first $250.00 in purchases you make on your Card Account, you will earn 0.5% of that amount.
- If you make purchases on your Card Account of between $250.01 and $750.00, you will earn 1% of that amount.
- If you make purchases on your Card Account over $750.01, you will earn 1.5% of that amount.
Stay in control while on the go with free mobile account alerts and mobile banking tools
Manage Your Account Online and On The Go
Enjoy 24/7 access to your account online. Check your balance, view transactions, and even make a payment using free online and mobile banking tools. Get free accounts alerts delivered right on your mobile device.
$0 Liability on Unauthorized Charges
Shop anywhere and never lose a penny on unauthorized charges. With $0 Liability you won’t pay for any unauthorized charges made with your card.
The terms of the original manufacturers’ U.S. warranties (one year or less) may be extended up to one additional year on most items purchased on your card.
Citi® Price Rewind2
Buy now. Save later. Register your covered purchases at citi.com/pricerewind. Citi Price Rewind will search hundreds of retailers’ sites for 30 calendar days from the date of purchase to help find a lower price. If one is found that’s lower by at least $25, you can get the price difference back.
Retail Purchase Protection2
Most items purchased with your Citi card are eligible for protection against theft, fire or accidental breakage of up to $1,000 for up to 90 days from the date of purchase.
Travel & Emergency Assistance2
You’re protected when you’re traveling in the U.S. and abroad. Travel & Emergency Assistance services include medical and legal referrals, lost luggage assistance, emergency transportation, translation services and more. Included in this service are MasterTrip® Travel Assistance, Travel Services Medical Assistance and MasterLegal® Referral Service.
Automatic Travel Accident Insurance2
Charge plane, train or bus tickets to your Citi card and you, your spouse and eligible dependent children are automatically covered for Common Carrier Travel Accident Insurance at no additional cost.
Virtual Account Numbers
Now, with Virtual Account Numbers you never have to give out your real credit card number online. With one click, you can generate a substitute credit card number and make it virtually impossible for anyone to steal your account number while shopping online.
Tap and Go with "PayPass"
Request an AT&T Universal credit card "PayPass" payment tag and you can tap and go wherever "PayPass" is accepted.