The Citi is a personal credit card from Citi. Application typically pulls a hard report from Experian. The annual fee is $0 - $59, based on creditworthiness. The ongoing APR is 30.99% variable (as of 9/22/26). Approval typically requires a credit score of 650-700 or higher. Signup bonus: 10% back in rewards on your first day of purchases at Best Buy when approved; limited-time welcome offers. Rewards: 5% back in rewards on qualifying Best Buy purchases ($5 reward certificate per $100) or flexible financing; 10% back in rewards on your first day of purchases at Best Buy. 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..