Deep dive into the 2% formula, the powerful intro APR offer, and the safety features that make this card essential for daily use.
| Feature | Details | Key Benefit |
| Cash Back Rate | 2% Unlimited | 1% when you buy, plus 1% as you pay. |
| Welcome Offer | $200 Cash Back | Earn after spending $1,500 in the first 6 months. |
| Travel Bonus | 5% Total Cash Back | Earn on hotel, car rental, and attractions booked via the Citi Travel® portal. |
| Annual Fee | **$0** (Zero) | Keep 100% of your earnings. |
Your cash back is earned as ThankYou® Points (2 points per $1). You can redeem your points for:
✔️ 24 Hour Fraud Protection: Citi alerts you to unusual activity.
✔️ $0 Liability on Unauthorized Charges: Complete protection against fraudulent use.
✔️ ID Theft Protection: Offered by Mastercard to monitor and alert you to suspicious activity.
✔️ Citi Entertainment®: Special access to purchase tickets for concerts, sporting events, and more.
A Tip for You!
To maximize your 2% cash back, ensure you always pay at least the minimum amount due, as the final 1% is credited when the payment is made. This card is built for responsible users who want consistent, reliable rewards with zero annual maintenance cost.
To secure the $200 Welcome Offer and start utilizing the powerful 2% cash back and 18-month balance transfer offer, click the link below to finalize your application on the official Citi site.
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