Flat 2% cash back on everything, plus an 18-month 0% intro APR on balance transfers: a rare combination of payoff help and strong everyday rewards.
Rates, fees and offers
- Regular APR
- 17.49%–27.49% variable
- Annual fee
- $0
- Promo offers
- 0% intro APR for 18 months on balance transfers (transfers must be completed within 4 months). No intro APR on purchases.
- Balance transfer fee
- 3% of each transfer ($5 min.) in the first 4 months, then 5% ($5 min.)
- Rewards
- 2% cash back on everything: 1% when you buy plus 1% as you pay.
- Welcome offer
- Cash back bonus after meeting a spend requirement (see Citi).
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
The 0% offer covers balance transfers only, not new purchases. Complete transfers within 4 months to get the 3% intro fee.
Paying and contacting Citi
- Pay online
- online.citi.com
- Customer service
- 1-800-950-5114 · 24/7 (lost/stolen line)
- Pay by mail
-
CITI CARDS
P.O. Box 70166
Philadelphia, PA 19176-0166Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
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