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 19.74% to 29.74% variable (purchases and balance transfers), based on creditworthiness; cash advance 29.99%. Signup bonus: $100 statement credit plus 15,000 AAdvantage bonus miles after $500 in purchases within the first 3 months; not available if a MileUp new-account bonus was received in the past 48 months. Rewards: 2 miles per $1 at grocery stores (including grocery delivery) and on eligible American Airlines purchases; 1 mile per $1 on all other purchases; 1 Loyalty Point per eligible mile; 25% savings on inflight food and beverages. This product reports activity to your personal credit report.