Citi Credit Card Apply Easily With Our Full Guide

Citi offers several credit cards with a variety of benefits. There are cards with cash back rewards, cards with travel rewards, and even a secured card for rebuilding your credit. The credit requirements for a Citi card vary depending on the card. Some require good credit, which is a score of about 700 or higher, while others require excellent credit, which is a score of 750 or higher. You can apply for a secured card even if you have limited credit, though.

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Citi Credit Card Apply Online

Citi credit card application online is quick and simple.

1. 1. To get started, visit their website at www.citicards.com.
   2. On the website, click “Credit Cards” in the upper left corner.
      

      https://www.citi.com/credit-cards/citi.action

1. 1. Click “View and Compare All Cards” on the next page. Review the Citi credit card options and decide which card you want to apply for. The process for applying is similar for all their credit cards.
      For example, if you want to apply for the Citi Double Cash Card, click the “Learn More and Apply Link” to the right of the card.
      

      https://www.citi.com/credit-cards/compare-credit-cards/citi.action?ID=view-all-credit-cards

1. 1. Click “Apply Now” on the next page. This takes you to your Citi credit card application.
   2. Enter your first and last name, your date of birth, your Social Security number, and answer the question about your citizenship.
      Provide your address and phone number. You can also provide your email address.
      Create a security word and a hint so you remember the security word.
      Enter your financial information, including your annual income and your monthly housing payment. You can select whether you have a checking, savings, or money market account.
   3. Indicate whether you want to add an authorized user.
   4. Scroll down to the bottom of the page, reviewing the terms and conditions. Check the box showing you reviewed the terms and conditions. You will also need to check the box agreeing to receive your notices electronically.
      

1.     5. Click the blue “Submit” button and follow the prompts to finish your application.

Other Ways to Apply for Citi Credit Card

You can also complete a Citi credit card application by phone.

Call 1-877-645-37-08 to complete a phone application.

Citi Credit Card Customer Service

You can reach Citi credit card customer service at 1-800-950-51-14. You can also reach them by writing
Citibank Customer Service
P.O. Box 6500
Sioux Falls, SD, 57117.

Citi Credit Card FAQs

What are the benefits of a Citi credit card?
Citi credit cards offer a variety of benefits. The Citi Simplicity card, for example, has a 0 percent APR for 21 months and no late fees. The Citi ThankYou Preferred card offers double reward points for entertainment and restaurant purchases. Other cards offer travel points or cash back.

What is the APR for a Citi credit card?
The APR for each Citi credit card varies and is based on your credit history and score. They range from 15.99 percent to 27.74 percent.

Is there an annual fee?
The majority of Citi’s credit cards have no annual fee. For the cards that do have a fee, most are around $95 per year except for the Citi/AAdvantage Executive World Elite Mastercard, which has a $450 annual fee.

Is there a late fee?
The Citi Simplicity card has no late fees. For their other cards, they may waive your first late fee. If they do charge a late fee, the maximum is $35.

Can I pay my Citi credit card online?
You can pay your Citi credit card online by creating an online account. You can make one-time payments or set up autopay.