Introductory purchases APR

0% for 12 months on Purchases

Ongoing purchases APR

16.74% - 27.49% (Variable)

Introductory balance transfer APR

0% for 21 months on Balance Transfers

Ongoing balance transfer APR

16.74% - 27.49% (Variable)

Ongoing cash advance APR

29.99% (Variable)

Ongoing penalty APR

Up to 29.99% (Variable)

Annual fee

$0

Recommended credit

More details

• 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
• Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
• Get free access to your FICO® Score online.