Goodyear Credit Card
Basic Information
Program ID: 027
Issuer: Citibank
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 07:26
Last Scraped: 01/15/2026 05:20
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | Yes |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25.00
Spending Requirement: $100.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts within 1-2 billing cycles after the spending requirement is met, usually within 6-8 weeks.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on your top eligible spend category each billing cycle from: Restaurants, Gas Stations, Select Travel, Select Transit, Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, Live Entertainment
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Flying Blue (Air France-KLM), JetBlue TrueBlue, Singapore Airlines KrisFlyer, Turkish Miles&Smiles, Virgin Atlantic Flying Club, Wyndham Rewards, Choice Privileges
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the welcome bonus on the '027' card, applicants must not have received a bonus for this specific card or any card within the same product family in the past 24 months. Citibank also enforces application velocity rules, generally limiting new card approvals to no more than one card every 8 days and no more than two cards every 65 days. Applicants should also have a strong credit history and sufficient income.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit, rapid accumulation of new accounts (especially across multiple issuers), sudden large spending on new accounts without a clear pattern, cycling credit, frequent credit limit increase requests, or non-compliance with terms of service.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Good for financing Goodyear purchases, special discounts, and building credit history. Easy application process.
Top Negative Feedback:
High interest rates, limited rewards outside Goodyear, and sometimes low initial credit limits.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Synchrony Car Care Credit Card
- Citi Custom Cash Card
- Chase Freedom Unlimited
Card Value Score: 60.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 90% Store / 10% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: February 2024