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Annual Fee
$0
Rewards Rate
1%-5%
Intro Offer
$200
Credit Score
Excellent, Good, Fair (630 – 850)
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Product Details
- Earn a $200 cash back bonus after spending $1,500 in the first 6 months (fulfilled as 20,000 ThankYou® Points).
- 2% cash back on purchases: 1% when buying and 1% upon payment.
- Limited-time 5% total cash back on hotel, car rentals, and attractions booked through Citi Travel℠ until 12/31/24.
- 0% intro APR on Balance Transfers for 18 months, then variable APR of 19.24% – 29.24%.
- Balance transfers do not earn cash back, and intro APR does not apply to purchases.
- Intro balance transfer fee of 3% (min $5) in the first 4 months, then 5% (min $5).
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Our Take
Pros:
- Up to 2% cash back – 1% when buying, 1% when paying
- No limit on cash back earnings
- No annual fee
- Intro APR period for balance transfers
Cons:- Foreign transaction fee
- Balance transfer fee
- Limited additional benefits
- No intro 0% APR on purchases