The Citi is a personal credit card from Citi. Application typically pulls a hard report from Experian. The annual fee is $0 — no annual fee. The ongoing APR is 31.24% Variable. Approval typically requires a credit score of 670–799 or higher. Signup bonus: $40 Off your qualifying first order of $250. Rewards: 5% Back in Rewards at Birch Lane. This product reports activity to your personal credit report. Pre-qualification available (soft pull)