The Citi is a personal credit card from Citi. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 32.99% variable (as of September 22, 2026; rates may vary with the Prime Rate). Approval typically requires a credit score of 650-700 or higher. Signup bonus: 30% off macys.com purchases when opening a Macy's Card; savings up to $100. Rewards: 2 points per $1 at Macy's for Silver, 3 for Gold ($500-$1,199 annual Macy's spend), 5 for Platinum ($1,200+); 1,000 points = $10 in Star Money. 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..