Card overview

Get 18 months 0% APR on balance transfers plus 2% cashback on all purchases.


You will need good credit for this card. 


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


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


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 RatioTransfer Time
Aeromexico – Club Premier1:1Instant
Air France, KLM – Flying Blue1:1Instant
Avianca – LifeMiles1:1Instant
Cathay Pacific – Asia Miles1:1Instant
Emirates – Skywards1:1Instant
Etihad Guest1:1Instant
EVA Air Infinity MileageLands1:12 days
JetBlue – TrueBlue1:1Instant
Qantas Frequent Flyer 1:1Instant
Qatar Airways Privilege Club1:12 days
Singapore Airlines  -KrisFlyer1:12 days
Thai Airways – Royal Orchid Plus1:14 days
Turkish Airlines – Miles & Smiles 1:1Instant
Virgin Atlantic – FlyingClub1:1Instant

Hotel partners:

RatioTransfer Time
Choice Privileges2:1Instant
Wyndham Rewards1:124 hours

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