The Citi is a personal credit card from Citi. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.49% - 28.74% variable after a 0% intro APR on balance transfers (not purchases) introductory rate for 18 months. Approval typically requires a credit score of 679 or higher. Signup bonus: Earn $200 cash back bonus after spending $1,500 on purchases in the first 6 months of account opening. Rewards: Unlimited 2% cash back on purchases: 1% when you buy and 1% as you pay; 5% total on hotels, car rentals and attractions booked through Citi Travel. Cash back: 2% cash back on all purchases.. Typical credit limit: Varies. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family.. No annual fee and straightforward cash back structure. | Excellent if you're transferring debt—and want some cash back while you pay it off. Citi Custom Cash Card. BT Fee: 3% ($5 minimum) during intro; 5% or $5 minimum afterward. Post-intro APR: 18.24%–28.24% variable