0% APR* on balance transfers and purchases for up to 12 months, based on your application and credit history.*
After the introductory period is over, APR on purchases will be as low as a variable 6.74%, based on your application and credit history.*
No annual fee
Citi Identity Theft Solutions
$0 Liability on unauthorized purchases
Secure, free online account management
•   The 0% APR does not apply to Cash Advances
•   The 0% APR may increase if you default under any cardmember agreement you have with us because you pay us late, go over your credit limit or have a returned check
•   Balance Transfer fee applies with this offer
•   Your payments will be applied to low APR balances before higher ones


*TERMS AND CONDITIONS:

Length of your introductory period will be 0.0% for 12 months from the date of cardmembership on purchases and balance transfers or 0.0% for 6 months from the date of cardmembership for balance transfers and purchases depending on our review of your application and credit history. After the promotional period ends, the standard variable purchase APR will be applied to any unpaid purchase and balance transfer balances. The standard variable APR for purchases is either 6.74% Rate 1, 10.74% Rate 2 or 14.74% Rate 3 in that order based on our review of your application and credit history. The standard APR for cash advances is a variable 21.99%. However, if you default under any Card Agreement that you have with us, we may automatically increase the rate on all balances (including any promotional balances) to a variable default rate of 29.99%. The minimum finance charge is $.50. Fee for Foreign Purchases- 3% of the U.S. dollar amount of each purchase made outside the U.S., whether made in U.S. dollars or in a foreign currency. The transaction fee for cash advances is 3.0% of each cash advance, minimum $5. The transaction fee for balance transfers is 3.0% of the amount of each balance transfer, $5 minimum.

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