Basic Information
Program ID: 410
Issuer: Citibank
Card Type:
Network:
Card Tier:
Data Complete: Yes
Created: 12/27/2025 03:56
Last Scraped: 01/15/2026 04:54
Fee Structure
| Annual Fee: | $695.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $395.00 |
| Authorized User Fee: | $75.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 3% 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: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $1,500.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on top eligible spend category (from a list including Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Live Entertainment, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs) up to $500 per billing cycle; 3x on Air Travel, Hotels, Restaurants, Supermarkets, Gas Stations.
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, Etihad Guest, EVA Air Infinity MileageLands, Flying Blue (Air France-KLM), JetBlue TrueBlue, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards.
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: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the welcome bonus on the '410' card is subject to Citibank's 24-month rule. Applicants are generally ineligible if they have received a bonus for any card within the same product family (e.g., ThankYou Points, AAdvantage, etc.) in the past 24 months. This rule applies even if the card product itself is different but falls under the same bonus earning structure. Additionally, applicants must typically have good to excellent credit, be a U.S. resident, and be 18 years or older with sufficient income. Citibank may also consider recent application velocity (e.g., no more than 1 card every 8 days, 2 cards every 65 days) and existing credit relationships when approving new applications.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months (with some offers extending to 6 months)
Shutdown Risk Triggers: Aggressive manufactured spending, rapid application for multiple cards (app-o-rama), high cumulative credit limit across all Citibank products, repeated pattern of opening/closing cards solely for bonuses (churning), suspicious transaction patterns, or non-organic spending after meeting bonus requirements.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Solid rewards programs, especially for everyday spending categories. Good customer service and widely accepted.
Top Negative Feedback:
High interest rates if balances are carried. Some users report issues with reward redemption or account management.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Discover it Cash Back
- Capital One Quicksilver
Card Value Score: 65.0 / 100
Est. Annual Rewards: $270.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 70.0%
Terms Version Control
Version ID: v1.0