The Citi is a personal credit card from Citi. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 19.74% - 27.74% variable (as shown on card page 2026-10-14). Approval typically requires a credit score of 650-700 or higher. Signup bonus: $200 statement credit after $1,000 in purchases in the first 3 months. Rewards: 3 ThankYou Points per $1 at gas and EV charging stations; 2 per $1 at grocery stores; 2 per $1 on AT&T products and services; 1 per $1 on all other purchases. This product reports activity to your personal credit report.