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.