0% APR Credit Cards

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Citi® Double Cash Card

Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
Balance Transfers do not earn cash back.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	0% intro for 18 months on Balance Transfers	13.99% - 23.99% (Variable)	$0	Excellent

Citi® Double Cash Card

Credit Needed

Excellent

Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
Balance Transfers do not earn cash back.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Purchases Intro APR	N/A
Regular APR	13.99% - 23.99% (Variable)
Annual Fee	$0

Mastercard® Titanium Card™

Patented brushed stainless steel front and carbon back-weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions.
1% value for cash back redemptions.
24/7 Luxury Card Concierge®–Available by phone, email, and live mobile chat.
Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
Members-only LUXURY MAGAZINE®.
Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
Annual fee: $195 ($95 for each Authorized User).
Earn one point for every one dollar spent.
Terms and conditions apply.

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	0% intro APR for the first 15 billing cycles on BT within first 45 days; APR after will be 14.99%	14.99% Variable	$195 ($95 for each Authorized User added to the account)	Excellent Credit

Mastercard® Titanium Card™

Credit Needed

Excellent Credit

Patented brushed stainless steel front and carbon back-weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions.
1% value for cash back redemptions.
24/7 Luxury Card Concierge®–Available by phone, email, and live mobile chat.
Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
Members-only LUXURY MAGAZINE®.
Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
Annual fee: $195 ($95 for each Authorized User).
Earn one point for every one dollar spent.
Terms and conditions apply.

Purchases Intro APR	N/A
Regular APR	14.99% Variable
Annual Fee	$195 ($95 for each Authorized User added to the account)

Mastercard® Gold Card™

Patented 24K-gold-plated front and carbon back - weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions.
2% value for cash back redemptions.
24/7 Luxury Card Concierge®-available by phone, email, and live mobile chat.
Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
Up to $200 annual airline credit and $100 Global Entry application fee credit.
Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
Annual fee: $995 ($295 for each Authorized User).
Earn one point for every one dollar spent.
Terms and conditions apply.

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	0% intro APR for the first 15 billing cycles on BT within first 45 days; APR after will be 14.99%	14.99% Variable	$995 ($295 for each Authorized User added to the account)	Excellent Credit

Mastercard® Gold Card™

Credit Needed

Excellent Credit

Patented 24K-gold-plated front and carbon back - weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions.
2% value for cash back redemptions.
24/7 Luxury Card Concierge®-available by phone, email, and live mobile chat.
Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
Up to $200 annual airline credit and $100 Global Entry application fee credit.
Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
Annual fee: $995 ($295 for each Authorized User).
Earn one point for every one dollar spent.
Terms and conditions apply.

Purchases Intro APR	N/A
Regular APR	14.99% Variable
Annual Fee	$995 ($295 for each Authorized User added to the account)

Mastercard® Black Card™

Patented black PVD metal card-weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions.
1.5% value for cash back redemptions.
24/7 Luxury Card Concierge®-available by phone, email and live mobile chat.
Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
Up to $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit.
Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
Annual fee: $495 ($195 for each Authorized User).
Earn one point for every one dollar spent.
Terms and conditions apply.

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	0% intro APR for the first 15 billing cycles on BT within first 45 days; APR after will be 14.99%	14.99% Variable	$495 ($195 for each Authorized User added to the account)	Excellent Credit

Mastercard® Black Card™

Credit Needed

Excellent Credit

Patented black PVD metal card-weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions.
1.5% value for cash back redemptions.
24/7 Luxury Card Concierge®-available by phone, email and live mobile chat.
Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
Up to $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit.
Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
Annual fee: $495 ($195 for each Authorized User).
Earn one point for every one dollar spent.
Terms and conditions apply.

Purchases Intro APR	N/A
Regular APR	14.99% Variable
Annual Fee	$495 ($195 for each Authorized User added to the account)

ABOC Platinum Rewards Mastercard®

0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
Earn Points on Every Purchase! It's simple: $1 = 1 Point
No Annual Fee or Foreign Transaction Fee
Select Your Rewards Your Way

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
0% on Purchases for 12 months	N/A	12.90% - 22.90% Variable APR on purchases and balance transfers	$0	Excellent

ABOC Platinum Rewards Mastercard®

Credit Needed

Excellent

0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
Earn Points on Every Purchase! It's simple: $1 = 1 Point
No Annual Fee or Foreign Transaction Fee
Select Your Rewards Your Way

Purchases Intro APR	0% on Purchases for 12 months
Regular APR	12.90% - 22.90% Variable APR on purchases and balance transfers
Annual Fee	$0

Citi® Diamond Preferred® Card

0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

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Purchases Intro APR	Balance Transfers Intro APR	Regular APR	Annual Fee	Credit Needed
0% for 18 months on Purchases	0% for 18 months on Balance Transfers	14.74% - 24.74% (Variable)	$0	Excellent

Citi® Diamond Preferred® Card

Credit Needed

Excellent

0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Purchases Intro APR	0% for 18 months on Purchases
Regular APR	14.74% - 24.74% (Variable)
Annual Fee	$0

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