The Citi is a personal credit card from Citi. Application typically pulls a hard report from Experian. The annual fee is $99, waived for the first 12 months. The ongoing APR is 19.74% - 29.74% variable after a No intro APR introductory rate. Approval typically requires a credit score of 779 or higher. Signup bonus: Earn 80,000 AAdvantage bonus miles after $3,500 in purchases in the first 4 months (page labels it a Limited Time Offer). Rewards: 2 AAdvantage miles per $1 on eligible American Airlines purchases; 2 miles per $1 at restaurants, including takeout; 2 miles per $1 at gas stations; 1 mile per $1 on all other 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..