after you spend $1,500 in purchases within 3 months of account opening - redeemable for $200 in gift cards2
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.
Balance Transfer Fee Either $5 or 3% fee of the amount of each balance transfer, whichever is greater.1
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
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
Bonus ThankYou Points not available if you have had a Citi ThankYou Preferred card opened or closed in the past 18 months.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.
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
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 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.
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.
$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® 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.
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.
Damage & Theft Purchase Protection
Shop with more confidence — you're covered up to $1,000 per item, up to $50,000 per year if purchases made with your Citi card are damaged or stolen within 120 days of purchase (90 days for New York residents). Complete program details including Who's Covered, What's Covered, What's Not Covered and coverage amounts will be provided upon cardmembership.
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.
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 Service
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.
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.
Trip Cancellation & Interruption Protection
Travel plans can go awry for many reasons. If certain unforeseen events get in the way of your trip, you may be reimbursed for non–refundable trip expenses, like change fees, up to $1,500 per year provided you paid for the trip with your Citi card. Complete program details including Whos Covered, Whats Covered, Whats Not Covered and coverage amounts will be provided upon cardmembership.
Worldwide Travel Accident Insurance
Travel with more peace of mind when you pay for your trip with your Citi card. Worldwide Travel Accident Insurance is a type of coverage that you hope to never need, but it may offer some financial help to you or your loved ones if a tragic accident does occur, up to $250,000 in compensation. Complete program details including Who's Covered, What's Covered, What's Not Covered and coverage amounts will be provided upon cardmembership.
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. Bonus ThankYou® Points not available if you have had a Citi ThankYou Preferred card opened or closed in the past 18 months. 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.
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.