Offers available if you apply here today. Offers may vary and these offers may not be available in other places where the cards are offered.

Earn points and a low intro rate for over one year.

0% Intro APR for 15 months on purchases and balance transfers; after that, the variable APR will be % - %, based on your creditworthiness.

Intro balance transfer fee of of % of each transfer ($ minimum) completed within the first 4 months of account opening. After that, % of each transfer ($ minimum). Balance transfers must be completed in the first 4 months of account opening.

More ways to earn more points.

  • 5x
    SPECIAL OFFER
    HOTEL & CAR RENTALS BOOKED ON CITITRAVEL.COM

    Earn a total of 5 ThankYou® Points on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.**

  • 2x
    SUPERMARKETS
    & GAS STATIONS

    Earn 2 ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 per year and then 1 ThankYou® Point per $1 spent thereafter.

  • 1x
    ALL OTHER
    PURCHASES

    Earn 1 ThankYou® Point per $1 spent on all other purchases with your card.

Your Points Add Up Faster When You Round Up to
the Nearest 10.

Enjoy more points with the only credit card that automatically rounds up to the nearest 10 points on every purchase. A $2 coffee earns 10 points. A $12 meal earns you 20 points. There is no cap on purchases that are rounded up. Here is an example of what you can earn during the first 12 months:

SPECIAL OFFER

5X

Hotel & Car Rentals booked on CitiTravel.com

$899

Your Purchase

4,495 Points

Points Earned

4,500 Points

Round up to

2X

Supermarkets & Gas Stations up to $6,000

$173 Your Purchase

346 Points Points Earned

350 Points

Round up to

1X

All Other Purchases

$12 Your Purchase

12 Points Points Earned

20 Points

Round up to

Chart is for illustrative purposes only. 

Enjoy multiple ways to redeem your points.

  • SHOP
    WITH POINTS

    Pay for all or part of your online purchases with points at Amazon.com and BestBuy.com®.

  • REDEEM
    FOR GIFT CARDS

    Redeem for a wide selection of fashion retailers, entertainment — even travel. A $25 gift card is just 2,500 points at thankyou.com.

  • 10%
    POINTS BACK

    Get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year.