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 18.74% - 28.74% variable after a 0% intro APR on purchases and balance transfers introductory rate for 15 months. Approval typically requires a credit score of 750 or higher. Signup bonus: Earn 20,000 bonus points after spending $1,000 in the first 3 months. Rewards: ThankYou Points: 5x on hotels, car rentals and attractions booked on cititravel.com; 3x at supermarkets, gas and EV charging stations and select transit, and a self-select category; 2x at restaurants; 1x 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.. Great for everyday spenders who also want 0% APR runway. U.S. Bank Shield Visa Card. BT Fee: 3% or $5 minimum during intro; 5% or $5 afterward. Post-intro APR: 19.24%–29.24% variable