Earn points and a low intro rate for over one year.

0% Intro APR for 15 months on purchases and balance transfers; after that, the variable APR will be % - %, based on your creditworthiness.

Intro balance transfer fee of of % of each transfer ($ minimum) completed within the first 4 months of account opening. After that, % of each transfer ($ minimum). Balance transfers must be completed in the first 4 months of account opening.

More ways to earn more points.

  • LIMITED TIME OFFER
    HOTEL & CAR RENTALS ON THE CITI TRAVEL PORTAL

    Earn a total of 5 ThankYou® Points on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.**

  • SUPERMARKETS
    & GAS STATIONS

    Earn 2 ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 per year and then 1 ThankYou® Point per $1 spent thereafter.

  • ALL OTHER
    PURCHASES

    Earn 1 ThankYou® Point per $1 spent on all other purchases with your card.

Your Points Add Up Faster When You Round Up to
the Nearest 10.

A $3 purchase earns just as much as a $10 one, because we automatically round up to the nearest 10 points on every purchase. See how it works with different purchases:

LIMITED TIME OFFER

5X

Hotel & Car Rentals booked through the Citi Travel portal

$899

Your Purchase

4,495 Points

Points Earned

4,500 Points

Round up to

2X

Supermarkets & Gas Stations up to $6,000

$173 Your Purchase

346 Points Points Earned

350 Points

Round up to

1X

All Other Purchases

$12 Your Purchase

12 Points Points Earned

20 Points

Round up to

Chart is for illustrative purposes only. 

Enjoy multiple ways to redeem your points.

  • SHOP
    WITH POINTS

    Pay for all or part of your online purchases with points at Amazon.com and BestBuy.com®.

  • REDEEM
    FOR GIFT CARDS

    Redeem for a wide selection of fashion retailers, entertainment — even travel. A $25 gift card is just 2,500 points at thankyou.com.

  • 10%
    POINTS BACK

    Get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year.