6
Benefits0
Reward Categories—
Max Reward32%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 6 Total
PENDINGFinancial 1
No Annual Fee
$0The credit card does not charge an annual fee for card membership.
Lifestyle 1
Online Account Management
Manage your account online, view statements, make payments, and track activity.
Security 3
Fraud Protection
Protection against unauthorized charges. Citibank uses advanced fraud protection measures to help secure your account.
Zero Liability
Cardholders are not responsible for unauthorized charges made with their card.
Account Alerts
Receive alerts via email or text message for important account activity, such as large purchases or payments due.
Shopping 1
Fuel Discount
10¢ per gallonCardholders save 10 cents on every gallon of Synergy fuel purchased at Exxon and Mobil stations.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$18
Cash BackFee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 31.99% - 31.99%
Cash Advance APR: 31.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Applicants are eligible for a welcome bonus on the '011' card only if they have not received a bonus for the '011' card or any card within its designated product family within the last 24 months. This 24-month period is calculated from the date the previous bonus was received. Citibank generally limits new applications to no more than one card every 8 days and no more than two cards every 65 days. Approval is subject to Citibank's standard creditworthiness assessment, including credit score, income, and existing credit relationships.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: The primary cliff effect rule for the '011' card is the 24-month bonus eligibility restriction. If a bonus was received on the '011' card or any card within its designated product family within the last 24 months, the applicant will be ineligible for a new welcome bonus, even if approved for the card. This rule is strictly enforced per product family.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Users appreciate the gas savings and rewards at ExxonMobil stations, finding it beneficial for frequent drivers. The application process is generally smooth, and some users benefit from promotional offers.
Top Negative:
Common complaints include a high APR, limited reward earning potential outside of ExxonMobil stations, and occasional issues with Citibank's customer service or credit limit management.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Shell Fuel Rewards Card
- Citi Custom Cash Card
- BP Visa Signature Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $175.00
Approval Probability: 78.0%
Version Control
PENDINGVersion ID: v1.0