- Annual Fee $95 (waived the first year)
- Intro Purchase APR -
- Regular Purchase APR 13.99% - 22.99% (Variable)
- Earn 3 points for every $1 spent on gas
- Earn 2 points for every $1 spent on restaurants and entertainment
- Earn 1 point for every $1 spent on all other purchases
- Points never expire
- Signup Bonus -
- Chip Technology Chip-and-Signature
- Foreign Transaction Fee 0%
- Intro Balance Transfer APR -
- Regular Balance Transfer APR 13.99% - 22.99% (Variable)
- Cash Advance APR 25.24% (Variable)
- Penalty APR Up to 29.99% (Variable)
- Late Fee Up to $35
- Returned Payment Fee Up to $35
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
- Concierge Service
- Citi with Apple Pay™: Use Apple Pay™ at over 200,000 stores with the iPhone® 6, or in-app with the iPad Air™ 2 and iPad mini™ 3.
- Citi® PrivatePass®: Access to exclusive events and experiences.
- Points Transfer: Transfer points between participating loyalty programs.
- Free Additional Cards
- Fraud Protection: You are not held responsible for unauthorized transactions on your card.
- Extended Warranty Protection: Eligible warranties of 5 years or less can be extended by up to an additional year; up to $10,000 per year.
- Price Protection: If you made a purchase in the U.S. that you find advertised at a cheaper price within 60 days, you can get reimbursed the difference; up to $300 per item, $1200 per year.
- Purchase Protection: Purchases are covered for 120 days against theft or damage, up to $1,000 per item; up to $50,000 per year.
- Travel and Emergency Assistance: Provides help with emergencies, including legal and medical referrals.
- Trip Cancellation / Trip Interruption Insurance: If a trip is disrupted for an eligible reason, provides reimbursement up to $5,000 per year for non-refundable costs.
- Travel Accident Insurance: Get reimbursed up to $500,000 if you or a family member gets in an accident while traveling.
- Auto Rental Collision Damage Waiver: Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined; up to $100,000.
- Lost Luggage Reimbursement: If checked or carry-on bags are lost, stolen, or damaged, provides reimbursement up to $3,000 per trip.
- This card comes with Mastercard benefits. You will be provided with a list of benefits available to you once you get approved for your card.
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