The Citi is a personal credit card from Citi. Application typically pulls a hard report from Experian. The annual fee is $95. The ongoing APR is 19.74% - 27.74% variable after a No intro APR introductory rate. Approval typically requires a credit score of 750 or higher. Signup bonus: Earn 60,000 bonus points after spending $4,000 in the first 3 months. Rewards: 10 points per dollar on Hotels, Car Rentals and Attractions booked on cititravel.com; 3 points per dollar on Air Travel and Other Hotel Purchases; 3 points per dollar at Restaurants; 3 points per dollar at Supermarkets; 3 points per dollar on Gas & EV Charging Stations; 1 point per dollar on All Other Purchases. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. 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..