01 · overview
Annual fee
$0
No fee
Sign up bonus
$200
After $1,500 in 6 mo
Credits
—
No tracked credits
Median FICO
748
Approved
Median income
$55,000
Approved
02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Travel (via Portal) Hotels, car rentals, and attractions booked through Citi Travel portal (2% base + 3% bonus) | 5% |
Everything Else 1% when you buy, 1% when you pay | 2% |
Statement credits
No statement credits tracked.
Intro APR
0% for 18 months on balance transfers
Then 17.49%–27.49% variable APR
03 · approval odds
Approval odds
Median FICO
748
Median income
$55,000
Credit history
4 yrs
Approval rate by FICO score
Loading chart…
Have you applied for this card? Log in to submit a data point →
05 · reading
Further reading
By
Title
Read
CreditOdds
Authorized User Strategy: When It Boosts Your Score, When It Doesn't, and What Most Guides Get WrongJun 15, 2026
12 min
CreditOdds
How to Close a Credit Card Without Tanking Your ScoreJun 11, 2026
13 min
CreditOdds
How Many Credit Cards Is Too Many? What Actually Happens to Your Score, Your Approvals, and Your LifeJun 8, 2026
12 min
CreditOdds
What Income to Put on a Credit Card Application: The Rules, the Math, and What Actually CountsMay 21, 2026
12 min
CreditOdds
Pre-Approval vs Pre-Qualification: Which Tools Actually Predict Credit Card ApprovalMay 18, 2026
11 min
CreditOdds
Why You Got Denied: The Real Reasons Banks Decline You and How to Win on the Reconsideration LineMay 14, 2026
12 min
CreditOdds
Hard Inquiries Explained: How Much They Hurt, How Long They Last, and the Real Recovery TimelineMay 11, 2026
12 min
CreditOdds
Can You Get Multiple Citi Custom Cash Cards to Maximize 5%?Feb 4, 2026
3 min