Citibank

Fees and APR

• Minimum Security Deposit: A minimum security deposit of $200 (maximum of $2,500) is required to open this account. Upon approval, your credit line will match your deposit amount.
• Annual Fee: $0.
• Regular APR: 25.99% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Additional Features

• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month.
• Automatic Payments: Set up AutoPay to pay your balance automatically, so you don’t have to log in and pay manually each month.
• Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
• Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
• Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• 24/7 Customer Service: Get help anytime with round-the-clock customer support whenever you need it.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 100,000 bonus points after spending $6,000 in the first three months.

Rewards

• 12x Points on Hotels, Car rentals, and Attractions when booked on Citi Travel®.
• 6x Points on Flights booked on Citi Travel®.
• 6x Points at Restaurants on Citi Nights℠ purchases, Friday and Saturday from 6pm - 6am ET.
• 3x Points at Restaurants any other time.
• 1.5x Points On All Other Purchases.

Partner Benefits

• Up to $200 Annual Splurge Credit℠: Earn up to $200 in statement credits each calendar year when you choose up to two eligible brands, including 1stDibs, American Airlines, Best Buy®, Future Personal Training, and Live Nation (exclusions apply).
• Up to $200 Annual Blacklane® Credit: Earn up to $200 in statement credits each calendar year when you book rides with Blacklane, a premium global chauffeur service. Receive up to $100 from January through June and up to $100 from July through December.

Lounge Access

• Priority Pass™ Select membership: Enjoy unlimited access to over 1,300 lounges worldwide for you and up to two guests.
• American Airlines Admirals Club® Lounge Access Passes: Each calendar year, receive four Admirals Club® Citi Strata Elite℠ Passes (over $300 in value), giving you access to nearly 50 Admirals Club® lounges. Enjoy complimentary snacks and drinks, free Wi-Fi, personal travel assistance, and a comfortable place to relax before your flight.

Redemption Options

• Redeem points for cash, gift cards, travel through Citi Travel®, shopping, purchases at Amazon.com, and more.
• Point Transfer: Transfer your points to top airline and hotel loyalty programs.

Fees and APR

• Annual Fee: $595, with an additional $75 per year for each authorized user.
• Regular APR: 20.49% - 28.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Up to $300 Annual Hotel Benefit: Receive up to $300 off each calendar year on a hotel stay of two nights or more when you book through Citi Travel®.
• Global Entry/TSA PreCheck® Fee Credit: Get up to $120 every four years for the application fee.
• The Reserve by Citi Travel®: Book select participating hotels through Citi Travel® and enjoy premium on-property benefits, including daily complimentary breakfast for two, free Wi-Fi, and a $100 experience credit (varies by property). Additional perks, such as early check-in, late check-out, and room upgrades, may be available based on availability. Simply select a Reserve Hotel rate at checkout to receive these benefits.
• Trip Delay: Get reimbursed for eligible expenses like meals and lodging if your trip is delayed for a covered reason.
• Trip Cancellation & Interruption Insurance: Get reimbursed for non-refundable travel costs if you need to cancel or cut your trip short due to a covered reason. Applies to airfare, ferry, train, bus, and cruise tickets when purchased with your card.
• Lost or Damaged Luggage: Get reimbursed for eligible expenses if your checked or carry-on luggage is lost or damaged during your trip.
• MasterRental® Coverage (Car Rental): Get coverage for damage or theft of a rental car when you pay for the rental with your card and decline the rental company’s collision damage waiver.

Purchase Protections

• Purchase Assurance Plus: Covers eligible new purchases against damage or theft.
• Extended Warranty Protection: Get extra warranty protection at no cost on eligible items you purchase with your card.

Exclusive Offers

• Death & Co® Access: Enjoy exclusive content and tutorials from one of the most influential cocktail institutions of the modern era. With complimentary access to Fashioned, Death & Co’s online learning platform, Citi Strata Elite℠ cardholders can learn everything from cocktail fundamentals to advanced techniques. Enrollment required. For adults 21+.
• Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.
• Citigold® Relationship Credit: Qualifying Citigold® clients can receive a $145 annual banking relationship credit when the primary cardmember has an open and active Citi Strata Elite℠ Card with the $595 annual fee assessed.
• Citi Travel®: Book flights, hotels, car rentals, and attractions using your eligible Citi card, points, or a combination of both. Citi Travel® gives you access to over 1.4 million hotels and resorts worldwide, making it easy to plan and manage trips in one place.

Additional Features

• Citi® Quick Lock: Instantly block new purchases while allowing recurring transactions to continue without disruption.
• 24/7 Fraud Protection: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
• Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
• 24/7 Customer Service: Get help anytime with round-the-clock customer support whenever you need it.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
• Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
• Citi® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn a $200 cash rewards bonus after spending $1,500 in the first six months.

Rewards

• 5% Cashback on Top Eligible Category: Earn 5% cashback on purchases in your top eligible spend category each billing cycle, up to the first $500 spent each billing cycle. The eligible categories are Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.
• 4% Cashback on Select Citi Travel®: Earn 4% cashback on hotels, car rentals, and attractions booked on Citi Travel®.
• 1% Cashback on All Other Purchases.

Redemption Options

• Redeem points for cashback (100 ThankYou® Points = $1) as a statement credit, direct deposit, or mailed check. You can also use them for gift cards and travel, or shop with points at Amazon.com, and more. Redemption rates may vary. Cash rewards do not expire.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Balance Transfers: For 18 months from account opening on balance transfers completed within the first 4 months.
• Regular APR: After the introductory period, a variable APR of 17.49% - 27.49% applies to purchases and balance transfers.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Exclusive Offers

• Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.

Additional Features

• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
• Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
• Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
• Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
• 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Citi® Quick Lock: Instantly block new purchases while allowing recurring transactions to continue without disruption.
• 24/7 Customer Service: Get help anytime with round-the-clock customer support whenever you need it.
• Authorized Users: Add authorized users at no cost to maximize your earning potential.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn $200 cashback after spending $1,500 in the first six months.

Rewards

• 5% Cashback on Select Citi Travel® Bookings: Earn 5% cashback on hotels, car rentals, and attractions booked through the Citi Travel®.
• 2% Unlimited Cashback on All Other Purchases: 1% when you buy and 1% as you pay, with no categories to track or quarterly activations.

Redemption Options

• Redeem points for cashback, gift cards, travel, purchases, and more.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Balance Transfers: For 18 months from account opening on balance transfers completed within the first 4 months.
• Regular APR: 17.49% - 27.49% Variable APR.
• Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers completed within the first 4 months.
• Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Exclusive Offers

• Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.

Additional Features

• 24/7 Customer Service: Get help anytime with round-the-clock customer support whenever you need it.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• 24/7 Fraud Protection: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases: For 12 months from account opening.
• 0% Intro APR on Balance Transfers: For 21 months from account opening on balance transfers completed within the first 4 months.
• Regular APR: After the introductory period, a variable APR of 17.49% - 28.24% applies to purchases and balance transfers.
  • Paying late won’t raise your APR.
• Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 4 months.
• Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
• Late Payment: No fee if you miss a payment.

Additional Features

• Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
• Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• 24/7 Customer Service: Get help anytime with round-the-clock customer support whenever you need it.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases: For 12 months from account opening.
• 0% Intro APR on Balance Transfers: For 21 months from account opening on balance transfers completed within the first 4 months.
• Regular APR: After the introductory period, a variable APR of 16.49% - 27.24% applies to purchases and balance transfers.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Exclusive Offers

• Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.

Additional Features

• Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
• Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
• 24/7 Customer Service: Get help anytime with round-the-clock customer support whenever you need it.
• Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
• Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
• Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

• Earn 90,000 AAdvantage® bonus miles after spending $5,000 in the first four months.

Rewards

• 3x Miles on Eligible American Airlines Purchases.
• 6x Miles on Eligible AAdvantage Hotels™ bookings.
• 2x Miles Categories:
  • 2x Miles at Restaurants, including takeout and delivery.
  • 2x Miles on Eligible Rides and Rails™ Purchases, including taxis, rideshares and public transit.
• 1x Mile on All Other Purchases.

Partner Benefits

• Up to $240 Back on Turo: Earn up to $30 in statement credits for each eligible Turo trip, for a total of up to $240 per year. To qualify, link your card to your Turo account at Turo.com/Globe and pay for the trip with your card.

Lounge Access

• Admirals Club® Globe™ Passes: Each calendar year, receive four Admirals Club® Globe™ Passes (over $300 value), giving you access to nearly 50 Admirals Club® lounges. Enjoy complimentary snacks and drinks, free Wi-Fi, and a comfortable place to relax before your flight. Simply present your digital lounge pass from your AAdvantage® wallet for entry.

Redemption Options

• Redeem AAdvantage® miles for flights, seat upgrades, car rentals, hotels, vacations, and more.

Fees and APR

• Annual Fee: $350.
• Regular APR: 19.49% - 29.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Up to $100 Back on Inflight Purchases: Each calendar year, earn up to $100 in statement credits on eligible inflight purchases when you use your card on American Airlines flights.
• Up to $100 Annual Splurge Credit℠: Earn up to $100 in statement credits each calendar year when you choose up to two eligible brands, including 1stDibs, AAdvantage Hotels™, Future Personal Training, and Live Nation (exclusions apply).
• Global Entry/TSA PreCheck® Fee Credit: Get up to $120 every four years for the application fee.
• Free Checked Bags: The primary Cardmember and up to 8 companions get their first checked bag free on domestic American Airlines flights.
• Preferred Boarding: The Primary Cardmember and up to 8 companions can board American Airlines-operated flights before general boarding.
• Loyalty Points: Earn 1 Loyalty Point for every eligible AAdvantage® mile earned on purchases.
• Flight Streak™ Bonus: Earn 5,000 Loyalty Points after every four qualifying American Airlines flights, for up to 15,000 additional Loyalty Points per status qualification year.
• American Airlines Companion Certificate: Starting in your second cardmembership year, earn an American Airlines Companion Certificate when your card is renewed. The certificate is valid for one qualifying round-trip domestic main cabin flight. Redeem it for a $99 ticketing fee, plus applicable taxes and fees based on the itinerary.
• Trip Cancellation & Interruption Insurance: Get reimbursed for non-refundable travel costs if you need to cancel or cut your trip short due to a covered reason. Applies to airfare, ferry, train, bus, and cruise tickets when purchased with your card.
• Lost or Damaged Luggage: Get reimbursed for eligible expenses if your checked or carry-on luggage is lost or damaged during your trip.
• MasterRental® Coverage (Car Rental): Get coverage for damage or theft of a rental car when you pay for the rental with your card and decline the rental company’s collision damage waiver.
• Trip Delay: Get reimbursed for eligible expenses like meals and lodging if your trip is delayed for a covered reason.

Purchase Protections

• Extended Warranty Protection: Get extra warranty protection at no cost on eligible items you purchase with your card.
• Purchase Assurance Plus: Covers eligible new purchases against damage or theft.

Exclusive Offers

• Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.
• Citi® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.

Additional Features

• Authorized Users: Add authorized users at no cost to maximize your earning potential.
• Citi® Quick Lock: Instantly block new purchases while allowing recurring transactions to continue without disruption.
• 24/7 Fraud Protection: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
• Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
• Embedded Chip Technology: Provides enhanced security and greater acceptance at chip-enabled terminals in the U.S. and internationally.
• Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
• Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
• 24/7 Customer Service: Get help anytime with round-the-clock customer support whenever you need it.
• Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
• Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
• Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

Earn 70,000 bonus miles after spending $7,000 in the first three months.

Rewards

• Up to 5x Miles on American Airlines Purchases: Earn 4x miles per $1 spent on eligible American Airlines Purchases, and boost to 5x after spending $150,000 in a calendar year.
• 10x Miles on Hotels and Car Rentals: Earn 10x miles per $1 spent on eligible hotel bookings at aa.com/hotels and car rentals at aa.com/cars.
• 1x Mile on All Other Purchases.

Partner Benefits

• Up to $120 in Lyft Credits: Earn a $10 credit each month after 3 eligible Lyft rides, for up to $120 in credits per year.
• Up to $120 Back on Grubhub Purchases: Get up to $10 back each monthly billing cycle on eligible Grubhub purchases, for a total of up to $120 annually.

Lounge Access

• Admirals Club® Membership: Enjoy complimentary membership (valued up to $850), with access for immediate family or up to two guests.

Redemption Options

• Redeem AAdvantage® miles for flights, seat upgrades, car rentals, hotels, vacations, Admirals Club® access, and more.

Fees and APR

• Annual Fee: $595 for the primary Cardmember. $175 for up to 3 authorized users; $175 for each additional authorized user thereafter.
• Regular APR: 19.49% - 29.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Free Checked Bags: The primary Cardmember and up to 8 companions get their first checked bag free on domestic American Airlines flights.
• Global Entry/TSA PreCheck® Fee Reimbursement: Get up to $120 every four years for the application fee.
• Priority Airport Experience: Priority check-in, screening (where available), and boarding for you and up to 8 companions.
• Loyalty Points: Earn 1 Loyalty Point for every eligible AAdvantage® mile earned on purchases.
• Loyalty Points Bonuses: Earn 10,000 bonus Loyalty Points after reaching 50,000 points, and another 10,000 after reaching 90,000 points within a status year.
• Up to $120 Back on Prepaid Car Rentals: Earn up to $120 in statement credits per year on eligible prepaid Avis® and Budget rentals booked directly at avis.com or budget.com.
• 25% Savings on Inflight Purchases: Get 25% back on inflight food and beverage purchases on American Airlines flights when you pay with your card.
• Save 10% on Vacation Packages: Get 10% off eligible American Airlines vacation packages when booking through AAVacations.com.
• Other Travel Benefits: Includes Auto Rental Coverage, Trip Cancellation/Interruption Insurance, Lost Luggage Reimbursement, and Trip Delay Reimbursement.

Exclusive Offers

• Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.
• Dedicated Concierge Service: Get personalized assistance with travel, shopping, entertainment, and dining arrangements.
• World Elite Mastercard® Benefits: Access exclusive offers on rideshares, food delivery, and online shopping, plus enjoy Priceless® experiences and events with your Mastercard®.

Additional Features

• Mastercard ID Theft Protection, Citi® Quick Lock, $0 Liability on Unauthorized Charges, Fraud Early Warning, Account Alerts, FICO® Score, Digital Wallets, and Contactless Pay.

Terms and Conditions

Click Apply Now to see the terms and conditions.

• Costco Membership: A Costco membership is required to apply.
• Up to 5% Cashback on Gas: Earn 5% cashback on gas at Costco and 4 % on other eligible gas and EV charging for the first $7,000 per year.
• 3% Cashback: On restaurants and eligible travel purchases worldwide.
• 2% Cashback: On all other purchases from Costco and Costco.com.
• 1% Cashback: On all other purchases.
• Annual Fee: None.
• Foreign Transaction Fees: None.
• Redeem Rewards: Cashback will be provided as an annual credit card reward certificate once your February billing statement closes and is redeemable for cash or merchandise in a single transaction at any U.S. Costco Warehouses, including Puerto Rico. Certificates are redeemable through December 31 of each year.
• Citi Entertainment®: Purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $1,000 per claim and $50,000 per account.
• Travel Benefits: Include Roadside Dispatch®, Travel and Emergency Assistance Services, Worldwide Car Rental Insurance, and Worldwide Travel Accident Insurance.
• Other benefits: Include digital wallets and contactless pay.
• Regular APR: 18.74% - 26.74% Variable APR.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome Offer

Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in the first 4 months.

• 2x AAdvantage® Miles: On purchases at telecommunications merchants, cable and satellite providers, car rental merchants, gas stations, and eligible American Airlines purchases.
• 1x AAdvantage® Mile: On all other purchases.
• Loyalty Points: Earn 1 Loyalty Point for every eligible mile earned from purchases. Businesses earn AAdvantage® miles and travelers earn Loyalty Points when booking business travel on aa.com.
• Annual Fee: $99, fee waived for the first 12 months.
• Foreign Transaction Fees: None.
• Redeem Miles: For travel on American Airlines, American Eagle®, oneword® airlines, and partner airlines. Use miles for seat upgrades, car rentals, hotels, vacations, Admirals Club® access, and more. Earn AAdvantage® status by earning Loyalty Points and enjoy exclusive benefits like premium cabin upgrades, same-day standby priority, and complimentary access to Main Cabin Extra and Preferred Seats.
• Companion Certificate: Earn a $99 domestic economy fare American Airline Companion Certificate after spending $30,000 in purchases during your card membership year and renew your card.
• First Checked Bag Free: First checked bag free on domestic American Airlines itineraries for you and up to 4 travel companions on the same reservation.
• Preferred Boarding on American Airlines Flights.
• 25% Savings on Inflight Food, Beverage, and Wi-Fi Purchases.
• Employee Cards at No Additional Cost: Add authorized users (employees or contractors) at no additional cost and earn more miles when employees use their card for purchases.
• Business Perks: Includes personal business assistant, online account summaries, access to exclusive business offers, and easy business travel management.
• Additional Benefits: Digital wallets and contactless pay.
• Regular APR: 19.49% - 28.49% Variable APR.
• Click ‘Apply Now’ to see the full terms and conditions.

• A Costco membership is required to apply.
• Earn 5% on gas at Costco and 4% on other eligible gas and EV charging for the first $7,000 per year, 3% on restaurants and eligible travel purchases worldwide, 2% on all other purchases from Costco and Costco.com, 1% on all other purchases.
• No annual fee.
• No foreign transaction fees.
• Cashback will be provided as an annual credit card reward certificate once your February billing statement closes and is redeemable for cash or merchandise in a single transaction at any U.S. Costco Warehouses, including Puerto Rico. Certificates are redeemable through December 31 of each year.
• Through Citi Entertainment®, you can purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $1,000 per claim and $50,000 per account.
• Visa Travel benefits include Roadside Dispatch®, Travel and Emergency Assistance Services, Worldwide Car Rental Insurance, and Worldwide Travel Accident Insurance.
• Other benefits include digital wallets and contactless pay.
• Regular APR: 18.74% - 26.74% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the terms and conditions.

Welcome Offer

Earn 60,000 bonus points after spending $4,000 in the first three months.

• 10x Points: On hotels, car rentals, and attractions when booked through the Citi Travel℠ portal.
• 3x Points: At restaurants, supermarkets, gas stations, EV charging stations, air travel, and other hotel purchases.
• 1x Points: On all other purchases.
• Annual Fee: $95.
• Foreign Transaction Fees: None.
• Redeem ThankYou® Points: For travel, gift cards, and more at thankyou.com. Shop with your ThankYou® Points at BestBuy.com and Amazon.com. You can transfer your points to your favorite airline loyalty program like TrueBlue®, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer. ThankYou® Points don’t expire, and there’s no limit on the number of points you can earn with this card.
• Annual Hotel Savings Benefit: Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through CitiTravel.com, once per calendar year.
• Authorized User: Add an authorized user to your account at no additional cost and earn points faster.
• Citi Entertainment®: Purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
• Travel Benefits: Include Trip Delay Reimbursement, Trip Cancellation and Interruption Insurance, Lost or Damaged Luggage Reimbursement, and MasterRental Coverage (car rental insurance).
• Additional Features: Include contactless pay, Digital Wallets, and free access to view your FICO Score.
• Regular APR: 19.49% - 27.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the full terms and conditions.