The Citi Credit Cards is a personal credit card from Citi Credit Cards. Application typically pulls a hard report from Experian. The annual fee is $0 Intro Annual Fee for the first year; $99 thereafter. The ongoing APR is Varies by card after a Low intro APR introductory rate. Approval typically requires a credit score of 650-700 or higher. Signup bonus: Bonus Miles after qualifying purchases 2. Rewards: AAdvantage ® bonus miles after qualifying purchases. Cash back: 2% cash back on purchases: 1% when you buy, 1% as you pay.. This product reports activity to your personal credit report. 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.. Foreign Txn Fee: Varies by card. Pre-qualification available (soft pull). BT Fee: Varies by card. Post-intro APR: Varies by card