A no-fee rewards card with a 15-month 0% intro APR and bonus points on groceries, gas and a category you choose.
Rates, fees and offers
- Regular APR
- 18.49%–28.49% variable
- Annual fee
- $0
- Promo offers
- 0% intro APR for 15 months on purchases and balance transfers.
- Balance transfer fee
- 3% of each transfer ($5 min.) in the first 4 months, then 5% ($5 min.)
- Rewards
- 5x on hotels, car rentals and attractions booked on Citi Travel; 3x supermarkets, select transit, gas/EV charging and one category you choose; 2x restaurants; 1x everything else.
- Welcome offer
- 20,000 bonus points after $1,000 in purchases in the first 3 months.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Points are worth the most when redeemed for travel through Citi.
Paying and contacting Citi
- Pay online
- online.citi.com
- Customer service
- 1-800-842-6596 · 24/7 (lost/stolen line)
- Lost, stolen or fraud
- 1-800-950-5114
- 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.
- Billing disputes
- Citi Cards
P.O. Box 6500
Sioux Falls, SD 57117
See all Citi cards → · Search all cards
Debt Sunset is not affiliated with or paid by any card issuer, and this page is not financial advice. Card names and art belong to their owners. See our Financial Disclaimer.