plus our lowest intro APR
Earn 20,000 bonus ThankYou® Points – redeem for $200 in gift cards – after you spend $1,500 in purchases within 3 months of account opening2
0% Intro APR on purchases & balance transfers for 12 months; after that the variable APR will be 12.99% - 22.99%, based on your creditworthiness.1
Balance Transfer Fee Either $5 or 3% fee of the amount of each balance transfer, whichever is greater.1
NEW! 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment2
1 ThankYou® Point per $1 spent on other purchases1
Points do not expire and earn unlimited ThankYou® Points1
Exclusive events for ThankYou Cardmembers
Earn 20,000 bonus ThankYou® Points: 20,000 bonus points after you spend $1,500 in purchases within 3 months of account opening redeemable for $200 in gift cards – or other great rewards!2
Redeem ThankYou Points for almost anything, from a large selection of gift cards including dining, entertainment and retail – to an amazing selection of valuable rewards such as electronics, travel rewards, home goods, books and media, charitable donations or even cash.
NEW! 2x ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment2
1x ThankYou® Point per $1 spent on other purchases1
Points do not expire and earn unlimited ThankYou® Points1
Exclusive events for ThankYou Cardmembers
Enjoy two simple ways to redeem your points for the rewards you want. You can either visit thankyou.com where your rewards are just a few clicks away, or you can redeem points by calling 1–800–THANKYOU (1–800–842–6596).
Getting additional cards is easy. Just call the number on the back of your credit card. Please allow 3 weeks to process your request.
Manage Your Account Online and On The Go2
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.
Choose your Payment Due Date2
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.
$0 Liability on Unauthorized Charges2
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® 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.
Extends the manufacturer's original U.S. warranty (of one year or less) up to one additional year on most items purchased with your Citi card.
Retail Purchase Protection2
Many 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.
Citi® Private Pass®2
Citi® Private Pass® gives you special access to purchase tickets to great concerts, dining experiences, sporting events, theatrical performances and more. From VIP packages to presale tickets to entertainment events, you can be where the action is with Citi Private Pass.
Personal Concierge Service2
Have the knowledge of a local at your fingertips, no matter where you are. With Citi’s Personal Concierge Service, you’ll always know the best places to stay and eat, where to shop and how to get around.
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.
Auto Rental Insurance2
Pays for covered damages (physical damage and theft) to an eligible rental vehicle when your Citi card is used to initiate and pay for the entire rental transaction and you decline the car rental company’s collision, loss/damage waiver. Not all vehicles are covered.
Lost Luggage Coverage2
Charge the entire common carrier fare to your Citi card and get up to $3,000 in lost luggage coverage for you and your dependents. This benefit covers permanently lost, stolen or damaged baggage or personal articles checked with a common carrier.
Trip Cancellation / Trip Interruption Coverage2
In the event you are prevented from taking or continuing a trip you billed to your Citi card, you are eligible to receive up to $1,500 in Trip Cancellation/Trip Interruption coverage.
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.
Earn 20,000 bonus ThankYou® Points after qualifying purchases
To receive 20,000 bonus ThankYou Points, make $1,500 in purchases in the first 3 months of the account opening. Balance transfers, cash advances, fees, interest and items returned for credit also do not qualify as an eligible purchase. Once these points post to your account, you may redeem them for great rewards, including $200 in gift cards. To redeem points, visit thankyou.com or call 1–800–THANKYOU (1–800–842–6596).
2x ThankYou® Points on dining and entertainment
You will earn 2 points per dollar spent on purchases you make for dining at restaurants and at select entertainment merchants.
We do not determine how merchants or establishments are classified. Merchants who accept Visa/MasterCard credit cards are assigned a merchant code based on the merchant's primary line of business and the kinds of products and services they sell.
Sometimes a merchant will sell a particular item that appears to fit within the stated qualifying category, but that merchant may not have a merchant code that fits within that category. Therefore purchases with that merchant will not qualify for the stated rewards offer on category purchases. Citi reserves the right to determine which purchases qualify for this offer. Purchases not eligible to receive the additional ThankYou Points include; but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores.
Dining Category Merchants
Merchants in the dining category include fast food restaurants to fine dining establishments. They are classified as dining establishments because they primarily prepare food and drinks for immediate consumption by consumers, either on the merchant's premises or packaged for take-out, and include bars, cocktail lounges, discotheques, nightclubs, taverns and fast food restaurants.
Please note that some merchants that sell food and drinks located within larger merchants that sell other goods and services may not be included in this category; for example department store cafeterias or discount store food counters.
Entertainment Category Merchants
Entertainment is defined broadly as purchases made for live performances (e.g. concerts, theater), movie theaters, amusement parks and cultural events (e.g. zoos, museums).
Live performances are made up of theatrical and sports promoter merchants. Theatrical promoters are classified as merchants that operate live theatrical productions or concerts, and include ticketing agencies.
Sports promoters are classified as merchants that operate and promote live sporting events (professional or semi–professional), and may also include sports stadiums.
Movie theaters are classified as establishments that sell tickets and refreshments for movie productions.
Amusement parks (including zoos, circuses and aquariums) are classified as establishments that operate parks or carnivals and offer mechanical rides and games and/or live animal shows.
Tourist attractions and museums (including art galleries) are classified as establishments that operate attractions and exhibits for tourists.
Record stores are classified as establishments that sell CDs, music downloads and related items, from online record stores.
Video rental stores are classified as merchants that rent DVDs and/or games and related equipment for consumer use, including online video rentals.
Automatic Travel Accident Insurance
Worldwide Automatic Travel Accident Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, PA. Certain conditions, restrictions and exclusions apply. Complete program details, including coverage amounts, will be provided upon cardmembership.
Auto Rental Insurance
Worldwide Car Rental Loss & Damage Insurance Coverage, which provides coverage in excess of other insurance, is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.
Lost Luggage Coverage
Up to $3,000 Common Carrier Lost Luggage Coverage is underwritten by Triton Insurance Company. (Coverage is limited to $2,000 to New York residents, coverage for all cardmembers is limited to $10,000 in the aggregate per trip.) Certain conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.
Trip Cancellation / Trip Interruption
Trip Cancellation/Trip Interruption coverage is secondary and is underwritten by Virginia Surety Company, Inc. Certain conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.
Travel Assistance Services
Travel Assistance Services are provided at no charge; however, you will be responsible for associated costs. (For example, legal referrals are free, but the lawyer's fee is your responsibility.) Details of coverage will be provided upon cardmembership.
Retail Purchase Protection
Buyers Security coverage (limited to $1,000 per occurrence and $50,000 per cardmember, per year) is excess coverage and is underwritten by Triton Insurance Company. Certain conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.
Citi® Price Rewind
Prices are tracked for 30 days from the original purchase date. Citi Price Rewind only tracks online prices. In order to be eligible for a refund, the price difference must be at least $25. Price Rewind refunds are limited to $250 per item and $1,000 per calendar year. Multiple purchases of the same item are limited to a $250 maximum claim payment per sales receipt. The entire purchase amount for the item must be made with your Citi card to be eligible for a refund. Items purchased with Thank You Points are not eligible for this program. For customers who qualify for benefits for the same transaction under Citi Price Rewind, Internet Price Protection and Price Protection coverages, or any combination of those coverages, the Company will only pay under the coverage providing the highest benefit and no benefits will be due under the other coverages. Additional limitations and exclusions apply. Not every product found on this site qualifies for coverage so please see the Description of Coverage for program details and to learn what items are covered.
Extended Warranty coverage is underwritten by Virginia Surety Company, Inc. (Coverage duplicates the manufacturer or store warranty up to a maximum of 12 months on most items you purchase and is limited to the lesser of the amount charged to your card or $10,000). Certain conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.
Citi® Private Pass®
Offers on Citi Private Pass are available to Citi credit card members and Citibank Debit MasterCard customers. Some restrictions apply. See citiprivatepass.com for specific offer details and information. Citi is not responsible for products or services offered by other companies.