Rewards rate
1% - 5%Cash backAnnual fee
$0Welcome bonus
$200
Additional rates & fees
- Annual fee
- $0
- Intro purchase APR
- 0% for 15 Months
- Regular purchase APR
- 19.24% - 29.24%* Variable
- Intro balance transfer APR
- 0% for 15 Months
- Regular balance transfer APR
- 19.24% - 29.24%* Variable
- Cash advance APR
- 29.99%* Variable
- Cash advance fee
- 5%, Min: $10
- Late fee
- Up to $41
- Penalty APR
- Up to 29.99% Variable
- Balance transfer fee
- 5%, Min: $5
- Foreign transaction fee
- 3%
- Return payment fee
- Up to $41
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.
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.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.