No Late Fees
We know that life can sometimes prevent you from making payments on time. That’s why there are no late fees as long as you use your credit card once each billing period for a purchase or cash advance. That's right, no late fees.

0% APR
O% APR* on Balance Transfers for 12 Months and No Annual Fee. Save with an introductory rate of 0% on balance transfers for 12 months from the time your account is opened, no annual fee and no balance transfer fee with this offer.
• The 0% APR does not apply to Purchases or cash advances.
• The 0% APR may increase if you default under any Card Agreement with us or fail to make
payments to another creditor.
• Your payments will be applied to low APR balances before higher ones.

Press “0”
It’s all part of creating a card that treats you right. Like if you want to speak to a live person when you call us, just Press “0” anytime.

Protect Your Credit
Please understand that your APR may increase if your payment is late and that late payments may negatively affect your credit history and account terms. With that in mind, we offer free, helpful tools like automatic payments and email alerts to help you Protect Your Credit.

Citi® Identity Theft Solutions
The card also comes with Citi® Identity Theft Solutions. We monitor your card for fraudulent use. And, if you’re ever the victim of identity theft, we’ll help you work with the credit bureaus and authorities to get your life back in order – a free service to all Citi Cardmembers.