The Citibank, N.A. is a personal credit card from Citibank, N.A.. Application typically pulls a hard report from Experian. The annual fee is $695. The ongoing APR is 19.74% - 29.74% variable. Approval typically requires a credit score of 779 or higher. Signup bonus: Earn 125,000 AAdvantage bonus miles after $15,000 in purchases in the first 5 months (limited time offer). Rewards: 4 AAdvantage miles per $1 on eligible American Airlines purchases; 12 miles per $1 on eligible AAdvantage Hotels and AAdvantage Cars bookings; 1 mile per $1 on all other purchases. Cash back: AAdvantage ® bonus miles after qualifying purchases. This product reports activity to your personal credit report. 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..