Card overview
Get 18 months 0% APR on balance transfers plus 2% cashback on all purchases.
Credit
You will need good credit for this card.
Reconsideration
If you apply for the card and get declined, you can call the reconsideration department to be reconsidered at 1-800-695-5171
Annual fee
$0
Card rewards
Earn 2% cashback on all purchases – 1% when you swipe and another 1% when you pay
Card benefits
There are no listed benefits on this card
Credits
There are no listed credits on this card
How points can be used
Cashback: The points you earn on the card can be used as cashback for 1 penny per point.
Airline and hotel programs: The points you earn on the card cannot be transferred directly to Citi ThankYou travel partners. If you have the following cards then you can transfer to travel partners as follows:
- If you have the Citi Premier card or the Citi Prestige – transfer your points to one of these cards and then you can transfer your points to airline and hotel partners as follows:
Airline partners:
| Transfer Ratio | Transfer Time | |
| Aeromexico – Club Premier | 1:1 | Instant |
| Air France, KLM – Flying Blue | 1:1 | Instant |
| Avianca – LifeMiles | 1:1 | Instant |
| Cathay Pacific – Asia Miles | 1:1 | Instant |
| Emirates – Skywards | 1:1 | Instant |
| Etihad Guest | 1:1 | Instant |
| EVA Air Infinity MileageLands | 1:1 | 2 days |
| JetBlue – TrueBlue | 1:1 | Instant |
| Qantas Frequent Flyer | 1:1 | Instant |
| Qatar Airways Privilege Club | 1:1 | 2 days |
| Singapore Airlines -KrisFlyer | 1:1 | 2 days |
| Thai Airways – Royal Orchid Plus | 1:1 | 4 days |
| Turkish Airlines – Miles & Smiles | 1:1 | Instant |
| Virgin Atlantic – FlyingClub | 1:1 | Instant |
Hotel partners:
| Ratio | Transfer Time | |
| Choice Privileges | 2:1 | Instant |
| Wyndham Rewards | 1:1 | 24 hours |