Apply Now on Citibank's website
Recommended FICO® Score1 Rating
Good
Rewards

Cash Back

Annual Fee

$0*

Intro APR

0% for 9 months on Purchases and Balance Transfers*

Ongoing APR

25.24%* (Variable)

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Balance Transfer

25.24%* (Variable)

Card Details
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers and Purchases for 9 months; after that, the variable APR will be 25.24%
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No categories to track, no caps on cash back, no annual fee*
Rates and Fees
Apply Now

on Citibank's website

Pros:
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 9 months
Cons:
  • High APR
  • Foreign transaction fees