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N/AIntro Purchase APR
0% for 15 Months
Regular Purchase APR
17.74% - 27.74%* Variable
Intro Balance Transfer APR
0% for 15 Months
Regular Balance Transfer APR
17.74% - 27.74%* Variable
Annual Fee
$0
Rewards
None
Points
Balance Transfer Fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Min Credit Needed
GOOD
Return Payment Fee
Up to $41
Foreign Transaction Fee
3%
Penalty APR
Up to 29.99% Variable
Late Fee
See Terms*
Cash Advance Fee
5%, Min: $10
Cash Advance APR
29.49%* Variable
Card Information
Card Details
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
- 0% Intro APR on balance transfers for 15 months on purchases; after that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- No Annual Fee
- Rates and fees
Card Details
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
- 0% Intro APR on balance transfers for 15 months on purchases; after that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- No Annual Fee
- Rates and fees
Intro Purchase APR
0% for 15 Months
Regular Purchase APR
17.74% - 27.74%* Variable
Intro Balance Transfer APR
0% for 15 Months
Regular Balance Transfer APR
17.74% - 27.74%* Variable
Annual Fee
$0
Min Credit Needed
GOOD‡
Intro Purchase APR
0% for 12 Months
Regular Purchase APR
18.24% - 28.99%* Variable
Intro Balance Transfer APR
0% for 21 Months
Regular Balance Transfer APR
18.24% - 28.99%* Variable
Annual Fee
$0
Rewards
None
Balance Transfer Fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Min Credit Needed
GOOD
Return Payment Fee
Up to $41
Foreign Transaction Fee
3%
Penalty APR
N/A
Late Fee
None
Cash Advance Fee
5%, Min: $10
Cash Advance APR
29.49%* Variable
Card Information
Card Details
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Stay protected with Citi® Quick Lock
- Rates and fees
Card Details
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Stay protected with Citi® Quick Lock
- Rates and fees
Intro Purchase APR
0% for 12 Months
Regular Purchase APR
18.24% - 28.99%* Variable
Intro Balance Transfer APR
0% for 21 Months
Regular Balance Transfer APR
18.24% - 28.99%* Variable
Annual Fee
$0
Min Credit Needed
GOOD‡
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Regular Purchase APR
19.49% - 28.24%* Variable
Intro Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months
Regular Balance Transfer APR
19.49% - 28.24%* Variable
Annual Fee
$0
Rewards
None
Cash Back
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. 5%, Min: $5 thereafter.
Min Credit Needed
GOOD
Return Payment Fee
See Terms*
Foreign Transaction Fee
3%
Penalty APR
Up to 29.99%
Late Fee
See Terms*
Cash Advance Fee
5%, Min: $10
Cash Advance APR
29.24%* Variable
Card Information
Card Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Card Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Regular Purchase APR
19.49% - 28.24%* Variable
Intro Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months
Regular Balance Transfer APR
19.49% - 28.24%* Variable
Annual Fee
$0
Min Credit Needed
GOOD‡
Intro Purchase APR
0% Intro APR for 15 Months
Regular Purchase APR
18.24% - 27.24% Variable APR
Intro Balance Transfer APR
0% Intro APR for 15 Months
Regular Balance Transfer APR
18.24% - 27.24% Variable APR
Annual Fee
$0
Rewards
None
Cash Back
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Min Credit Needed
GOOD
Return Payment Fee
Up to $30.
Foreign Transaction Fee
None
Penalty APR
See Terms*
Late Fee
None the first time you pay late. After that, up to $41.
Cash Advance Fee
See Terms*
Cash Advance APR
29.24% Variable APR
Card Information
Card Details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- See offer and benefit terms
Card Details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- See offer and benefit terms
Intro Purchase APR
0% Intro APR for 15 Months
Regular Purchase APR
18.24% - 27.24% Variable APR
Intro Balance Transfer APR
0% Intro APR for 15 Months
Regular Balance Transfer APR
18.24% - 27.24% Variable APR
Annual Fee
$0
Min Credit Needed
GOOD‡
Intro Purchase APR
N/A
Regular Purchase APR
18.74% - 28.74%* Variable
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
18.74% - 28.74%* Variable
Annual Fee
$0
Rewards
None
Points
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer, $5 minimum.
Min Credit Needed
GOOD
Return Payment Fee
Up to $41
Foreign Transaction Fee
3%
Penalty APR
Up to 29.99% Variable
Late Fee
See Terms*
Cash Advance Fee
5% of each cash advance; $10 minimum
Cash Advance APR
29.49%* Variable
Card Information
Card Details
- Earn 5,000 bonus points after spending $500 in the first 3 months of account opening, redeemable for $50 in gift cards or travel rewards at thankyou.com.
- Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Rewards+® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Rewards+ account.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
- Earn 5X total ThankYou® Points on hotels, car rentals and attractions booked on the Citi TravelSM portal through 12/31/2025.
- The variable APR for purchases and balance transfers is 18.74% - 28.74%, based on your creditworthiness.
- Rates and fees
Card Details
- Earn 5,000 bonus points after spending $500 in the first 3 months of account opening, redeemable for $50 in gift cards or travel rewards at thankyou.com.
- Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Rewards+® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Rewards+ account.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
- Earn 5X total ThankYou® Points on hotels, car rentals and attractions booked on the Citi TravelSM portal through 12/31/2025.
- The variable APR for purchases and balance transfers is 18.74% - 28.74%, based on your creditworthiness.
- Rates and fees
Intro Purchase APR
N/A
Regular Purchase APR
18.74% - 28.74%* Variable
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
18.74% - 28.74%* Variable
Annual Fee
$0
Min Credit Needed
GOOD‡
Intro Purchase APR
0% Intro APR for 6 Months
Regular Purchase APR
18.24% - 27.24% Variable APR
Intro Balance Transfer APR
0% Intro APR for 18 Months
Regular Balance Transfer APR
18.24% - 27.24% Variable APR
Annual Fee
$0
Rewards
None
Cash Back
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Min Credit Needed
GOOD
Return Payment Fee
Up to $30.
Foreign Transaction Fee
None
Penalty APR
See Terms*
Late Fee
None the first time you pay late. After that, up to $41.
Cash Advance Fee
See Terms*
Cash Advance APR
29.24% Variable APR
Card Information
Card Details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable APR applies, based on credit worthiness.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- No annual fee.
- Terms and conditions apply.
- See offer and benefit terms
Card Details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable APR applies, based on credit worthiness.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- No annual fee.
- Terms and conditions apply.
- See offer and benefit terms
Intro Purchase APR
0% Intro APR for 6 Months
Regular Purchase APR
18.24% - 27.24% Variable APR
Intro Balance Transfer APR
0% Intro APR for 18 Months
Regular Balance Transfer APR
18.24% - 27.24% Variable APR
Annual Fee
$0
Min Credit Needed
GOOD‡
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular Purchase APR
18.24% - 28.24% Variable APR on purchases
Intro Balance Transfer APR
See Terms*
Regular Balance Transfer APR
18.24% - 28.24% Variable APR on balance transfers
Annual Fee
$0
Rewards
None
Points
Balance Transfer Fee
3% for 60 days from account opening, then 4%
Min Credit Needed
EXCELLENT
Return Payment Fee
See Terms*
Foreign Transaction Fee
None
Penalty APR
up to 29.99% APR
Late Fee
See Terms*
Cash Advance Fee
See Terms*
Cash Advance APR
See Terms*
Card Information
Card Details
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Card Details
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Regular Purchase APR
18.24% - 28.24% Variable APR on purchases
Intro Balance Transfer APR
See Terms*
Regular Balance Transfer APR
18.24% - 28.24% Variable APR on balance transfers
Annual Fee
$0
Min Credit Needed
EXCELLENT‡