No Late Fees, No Penalty Rate and No Annual Fee - Ever.1 Plus our lowest intro APR for 21 months on purchases and balance transfers.
0% Intro APR on purchases and balance transfers for 21 months; after that the variable APR will be 12.99% - 22.99%, based on your creditworthiness.1
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.1
No Late Fees, No Penalty Rate and No Annual Fee — Ever.1
Save time, just say "representative" when you call, to enjoy fast personal help.
No Annual Fee.1
Citi® Price Rewind
Shop now. We'll search for a lower price after you buy. If the same item is found at retailers' sites within 60 days, you can be refunded the price difference up to $300 per item, and up to $1,200 per year. Complete program details including Who's Covered, What's Covered, What's Not Covered and coverage amounts will be provided upon cardmembership.
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.
$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.
Citi® Identity Theft Solutions
Identity theft can happen to anyone. If it happens to you, Citi® Identity Theft Solutions can help you resolve the matter and get your life back on track.
We assist you with identifying compromised accounts, filing police reports and taking steps to get your good name and good credit back.
Add up to a year on your warranty of five years or less so you can feel more confident when you make purchases with your Citi card. You're covered for up to $10,000 per year. Complete program details including Who's Covered, What's Covered, What's Not Covered and coverage amounts will be provided upon cardmembership.
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.
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.
Worldwide Car Rental Insurance
Be more confident at the rental car counter — you may be covered against theft or damage up to $50,000 for any rental car in any country when you pay with your Citi card and decline the rental company's collision loss/damage insurance. Complete program details including Who's Covered, What's Covered, What's Not Covered and coverage amounts will be provided upon cardmembership.
Travel & Emergency Assistance
If you need assistance before or during a trip, services are available 24/7 for emergency travel arrangements, travel issues, medical and legal referrals and much more. You wont have to scramble to find services close to your location or worry about asking for help when you dont speak the language. Complete program details including Whos Covered, Whats Covered, Whats Not Covered and coverage amounts will be provided upon cardmembership.
EMV Chip Technology
Enjoy global acceptance and enhanced security when you use your credit card at merchants that use chip enabled terminals to accept your payment.
Citi with Apple Pay™ is another way Citi provides quick and easy payments. With a simple touch you can pay in-app or at over 200,000 stores with the iPhone® 6, or in-app with the iPad Air™ 2 and iPad mini™ 3. Plus, youll still enjoy all of the security and benefits that come with your Citi card when you use Apple Pay to check out. Learn more at
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Complete program details including Who's Covered, What's Covered, What's Not Covered and coverage amounts will be provided upon cardmembership.
Citi® Cards with Apple Pay™
Apple Pay is only available on Citi-branded consumer credit and debit cards (except for ATM, Chairman, and AT&T cards) issued in the continental U.S. and Hawaii.
Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.
Credit Cards / Citi® Simplicity® Card