These offers are no longer available on our site: Citi ThankYou® Preferred Card for College Students, Citi ThankYou® Premier Card, Citi® Secured Mastercard®, Citi ThankYou® Preferred Card, CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Intro Purchase APR
0% for 12 months
Regular Purchase APR
17.74% - 28.49%* Variable
Intro Balance Transfer APR
0% for 21 months
Regular Balance Transfer APR
17.74% - 28.49%* Variable
Annual Fee
$0
Rewards
None
Balance Transfer Fee
5%, Min: $5
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
29.99%* Variable
Card Information
Card Details
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
- Rates and fees
Card Details
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
- Rates and fees
Intro Purchase APR
0% for 12 months
Regular Purchase APR
17.74% - 28.49%* Variable
Intro Balance Transfer APR
0% for 21 months
Regular Balance Transfer APR
17.74% - 28.49%* Variable
Annual Fee
$0
Min Credit Needed
GOOD‡
Intro Purchase APR
N/A
Regular Purchase APR
18.74% - 28.74%* Variable
Intro Balance Transfer APR
0% for 18 Months
Regular Balance Transfer APR
18.74% - 28.74%* Variable
Annual Fee
$0
Rewards
None
Cash Back
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
29.99%* Variable
Card Information
Card Details
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- 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).
- Rates and fees
Card Details
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- 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).
- Rates and fees
Intro Purchase APR
N/A
Regular Purchase APR
18.74% - 28.74%* Variable
Intro Balance Transfer APR
0% for 18 Months
Regular Balance Transfer APR
18.74% - 28.74%* Variable
Annual Fee
$0
Min Credit Needed
GOOD‡
Intro Purchase APR
0% for 12 Months
Regular Purchase APR
18.74% - 29.49%* Variable
Intro Balance Transfer APR
0% for 21 Months
Regular Balance Transfer APR
18.74% - 29.49%* 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
29.99%* 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 from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.74% - 29.49%, 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 from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.74% - 29.49%, 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
18.74% - 29.49%* Variable
Intro Balance Transfer APR
0% for 21 Months
Regular Balance Transfer APR
18.74% - 29.49%* Variable
Annual Fee
$0
Min Credit Needed
GOOD‡
N/A
N/A
N/A
N/A
Intro Purchase APR
N/A
Regular Purchase APR
20.74% - 29.74%* Variable
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
20.74% - 29.74%* Variable
Annual Fee
$0 intro, then $99 after first year
Rewards
None
Miles
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
0%
Penalty APR
Up to 29.99% Variable
Late Fee
See Terms*
Cash Advance Fee
5%, Min: $10
Cash Advance APR
29.99%* Variable
Card Information
Card Details
- Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
- Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- No Foreign Transaction Fees
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
- Enjoy preferred boarding on American Airlines flights
- Rates and fees
Card Details
- Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
- Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- No Foreign Transaction Fees
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
- Enjoy preferred boarding on American Airlines flights
- Rates and fees
Intro Purchase APR
N/A
Regular Purchase APR
20.74% - 29.74%* Variable
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
20.74% - 29.74%* Variable
Annual Fee
$0 intro, then $99 after first year
Min Credit Needed
GOOD‡
N/A
Intro Purchase APR
N/A
Regular Purchase APR
20.74% - 29.74%* Variable
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
20.74% - 29.74%* Variable
Annual Fee
$595
Rewards
None
Miles
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Min Credit Needed
GOOD
Return Payment Fee
Up to $41
Foreign Transaction Fee
0%
Penalty APR
Up to 29.99% Variable
Late Fee
See Terms*
Cash Advance Fee
5%, Min: $10
Cash Advance APR
29.99%* Variable
Card Information
Card Details
- Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
- Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
- No Foreign Transaction Fees on purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
- Rates and fees
Card Details
- Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
- Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
- No Foreign Transaction Fees on purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
- Rates and fees
Intro Purchase APR
N/A
Regular Purchase APR
20.74% - 29.74%* Variable
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
20.74% - 29.74%* Variable
Annual Fee
$595
Min Credit Needed
GOOD‡