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 29.99%. Approval typically requires a credit score of 650-700 or higher. Signup bonus: Save up to $100 on a qualifying purchase when you open a new credit card with The Home Depot (limited-time offer). Rewards: No interest if paid in full within promotional period on qualifying purchases. Up to 24 months financing on $2,000+ purchases. Save up to $100 on qualifying purchase when you open a new account.. 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..