Credit Cards - Apply for a New Credit Card Online (2024)

Table of Contents
Browse Our Card Categories Citi Strata Premier℠ Credit Card Limited Time Bonus Points 10 timesx | or 3 timesx | or 1 timesxThankYou® Points $100Annual Hotel Benefit Citi® / AAdvantage® Executive World Elite Mastercard® Bonus Miles 4 timesxMiles AdmiralsClub® membership2 Citi Double Cash® Card Low intro APRon balance transfers for months 2%Cash Back No annual fee1 Citi Custom Cash® Card % |or 1%Cash Back Low intro APRon purchases & balance transfers No annual fee1 Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Bonus Miles 2 timesx | or 1 timesx Miles $0 Intro Annual Fee, after the first year.1 Citi Rewards+® Credit Card Low intro APRon purchases & balance transfers Bonus Points Citi Simplicity® Credit Card Low intro APRon balance transfers for months Low intro APRon purchases for months No annual fee1 Citi® Diamond Preferred® Credit Card Low intro APRon balance transfers for months Low intro APRon purchases for months No annual fee1 Costco Anywhere Visa® Card by Citi 4% |or 3% Cash Back 2% |or 1% Cash Back No Annual Fee1with your active/paid Costco membership. American Airlines AAdvantage® MileUp® Card Bonus Miles 2 timesx | or 1 timesx Miles No annual fee1 Citi® / AAdvantage Business™ World Elite Mastercard® Bonus Miles 2 timesx | or 1 timesx Miles $0 Intro Annual Fee, after the first year.1 Citi® Secured Mastercard® How It Works $0 Liability on unauthorized charges No Annual Fee1 Costco Anywhere Visa® Business Card by Citi 4% |or 3% Cash Back 2% |or 1% Cash Back No Annual Fee1with your active/paid Costco membership. AT&T Points Plus® Card From Citi $ Statement Credit 3 timesx | or 2 timesx | or 1 timesx Points No Annual Fee1 FAQs References

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Offers available if you apply here today. Offers may vary and theseoffers may not be available in other places where the cards are offered.

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Browse Our Card Categories

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  • Rewards
  • Travel
  • 0% Intro APR
  • Balance Transfer
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Citi Digital Special Offer

Citi Strata Premier Credit Card

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Limited Time Bonus Points

For a limited time, earn bonus points after spending $ in the first months of account opening, redeemable for $ in gift cards or travel rewards on thankyou.com.2

10 timesx | or 3 timesx | or 1 timesxThankYou® Points

Now an ongoing benefit! Earn a total of 10 ThankYou® Points per $1 spent on Hotel, Car Rentals, and Attractions booked through CitiTravel.com

*

Earn 3 timesX ThankYou® Points per $1 spent on Air Travel and Other Hotel Purchases, Restaurants, Supermarkets, Gas Stations and – newly added! – EV Charging Stations.

*

Earn 1 ThankYou® Point per $1 spent on All Other Purchases.

$100Annual Hotel Benefit

Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through CitiTravel.com, once per calendar year. Benefit applied instantly at the time of booking.2

LIMITED TIME OFFER

Citi® / AAdvantage® Executive World Elite Mastercard®

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Bonus Miles

For a limited time, earn American Airlines AAdvantage® bonus miles after $ in purchases within the first months of account opening.2

4 timesx
Miles

Earn 4 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.2

After you spend $150,000 in purchases with your American Airline credit in a calendar year, earn a total of 5 timesX AAdvantage® miles on eligible American Airlines purchases.2

Admirals
Club® membership2

And more…

  • First checked bag free on American Airlines domestic itineraries2
  • No foreign transaction fees1
  • No limit on miles you can earn
  • Global Entry or TSA PreCheck® application fee credit up to $100 every 4 years.2

New Cardmember Offer

Citi Double Cash® Card

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Low intro APRon balance transfers for months

% Intro APR for months on balance transfers; after that, the variable APR will be % - % based on your creditworthiness.1

2%Cash Back

Unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase.

+

Earn $ cash back after you spend $ on purchases in the first months of account opening.2

No annual fee1

And more…

  • For a limited time, earn % total cash back on hotel, car rental and attractions when booked on the Citi TravelSM portal through 12/31/24. This is % cash back on top of the 1% when you buy and the 1% as you pay.2
  • Mastercard® ID Theft ProtectionTM available for no additional charge
  • $0 liability on unauthorized charges

Special Travel Offer

Citi Custom Cash® Card

% |or 1%Cash Back

Earn % cash back on your top eligible spend category each billing cycle up to $500 spent.2

Earn 1% cash back thereafter on all other purchases.2

Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.2

Low intro APRon purchases & balance transfers

% Intro APR for months on purchases and balance transfers; after that, the variable APR will be % - %, based on your creditworthiness.1

Balance transfer fee of either $ or % of the amount of each credit card balance transfer, whichever is greater.1

Balance Transfers must be completed within 4 months of account opening.

No annual fee1

  • Earn $ cash back after you spend $ on purchases in the first months of account opening.2
  • $0 liability on unauthorized charges

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

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Bonus Miles

Earn American Airlines AAdvantage® bonus miles after $ in purchases within the first months of account opening.

2 timesx | or 1 timesx
Miles

Earn 2 AAdvantage® miles for every $1 spent at restaurants, gas stations, and eligible American Airlines purchases.2

Earn 1 AAdvantage® mile for every $1 spent on all other purchases.2

Earn 1 Loyalty Point for every 1 eligible mile earned from purchases.2

$0 Intro Annual Fee,
after the first year.1

And more…

  • First checked bag free on American Airlines domestic itineraries2
  • No foreign transaction fees1
  • No limit on miles you can earn
  • Preferred boarding on American Airlines flights
  • 25% savings when you use your card on American Airlines inflight food and beverage purchases

Special Travel Offer

Citi Rewards+® Credit Card

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Low intro APRon purchases & balance transfers

% Intro APR for months on purchases and balance transfers; after that, the variable APR will be % - %, based on your creditworthiness.1

Balance Transfer Fee: Intro fee of % of each transfer ($ minimum) completed within the first 4 months of account opening; after that, % of each transfer ($ minimum).1

Bonus Points

Earn bonus points after spending $ within the first months of account opening, redeemable for $ in gift cards or travel rewards at thankyou.com.2

+ No Annual Fee1

Special Travel Offer: earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.2

*

Earn 2 ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 spent per year. Earn 1 ThankYou® Point per $1 spent on all other purchases. Round up to the nearest 10 points on every purchase.2

Citi Simplicity® Credit Card

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Low intro APRon balance transfers for months

% Intro APR for months on balance transfers from date of first transfer; after that, the variable APR will be % - %, based on your creditworthiness.1

Intro balance transfer fee of $ or % of the amount of the transfer, whichever is greater for transfers completed within 4 months of account opening. After that, % of each transfer (minimum $).1

Low intro APRon purchases for months

% Intro APR for months on purchases from date of account opening; after that, the variable APR will be % - %, based on your creditworthiness.1

No annual fee1

And more…

  • No Late Fees1
  • No Penalty Rate1
  • $0 liability on unauthorized charges

Citi® Diamond Preferred® Credit Card

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Low intro APRon balance transfers for months

% Intro APR for months on balance transfers from date of first transfer; after that, the variable APR will be % - % based on your creditworthiness.1

Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater.1

Low intro APRon purchases for months

% Intro APR for months on purchases from date of account opening; after that, the variable APR will be % - % based on your creditworthiness.1

No annual fee1

And more…

  • Free Access to Your Fico® Score
  • Mastercard® ID Theft ProtectionTM available for no additional charge
  • $0 liability on unauthorized charges

Costco Anywhere Visa® Card by Citi

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4% |or 3% Cash Back

Earn 4% on eligible gas and EV charging with the Costco Anywhere Visa® card for the first $7,000 per year and then 1% thereafter.

Unlimited 3% on restaurants and eligible travel, including Costco Travel.

2% |or 1% Cash Back

Unlimited 2% on all other purchases from Costco and Costco.com.

Unlimited 1% on all other purchases.

No Annual Fee1with your active/paid Costco membership.

And more…

  • No foreign transaction fees1
  • Use the Costco Anywhere Visa card as your Costco membership ID

American Airlines AAdvantage® MileUp® Card

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Bonus Miles

Earn American Airlines AAdvantage® bonus miles after making $ in purchases within the first months of account opening.2

2 timesx | or 1 timesx
Miles

Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services, and eligible American Airlines purchases.2

Earn 1 AAdvantage® mile for every $1 spent on all other purchases.2

No annual fee1

And more…

  • No limit on miles you can earn
  • Earn 1 Loyalty Point for every 1 eligible mile earned from purchases2
  • 25% savings when you use your card on American Airlines inflight food and beverage purchases
  • Add Authorized Users and earn miles on their purchases
Bonus Offer2

Citi® / AAdvantage Business World Elite Mastercard®

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Bonus Miles

Earn American Airlines AAdvantage® bonus miles after $ in purchases within the first months of account opening.2

+ Earn miles on employee purchases

Expand your earning potential with Authorized User cards for your employees and earn AAdvantage® miles for purchases made on each card.

2 timesx | or 1 timesx Miles

Earn 2 AAdvantage® miles for every $1 spent at telecommunications merchants, cable and satellite providers, car rental merchants, at gas stations and eligible American Airlines purchases.2

Earn 1 AAdvantage® mile for every $1 spent on all other purchases.2

Each cardmember (primary and employees) earns 1 Loyalty Point for every $1 spent on their business card purchases.2

$0 Intro Annual Fee, after the first year.1

And more…

  • $0 intro annual fee, after the first year1
  • First checked bag free on American Airlines domestic itineraries2
  • No foreign transaction fees1
  • No limit on miles you can earn
  • Preferred boarding on American Airlines flights
  • 25% savings on inflight food, beverage and Wi-Fi purchases when you use your card on American Airlines flights

Citi® Secured Mastercard®

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How It Works

This is a great fit if you want to establish your credit. Make everyday purchases and pay your bill on time.

With a secured credit card, once you are approved, you'll provide a security deposit, between $200 - $2,500. The credit limit on your new secured credit card will equal the amount of your security deposit.2

$0 Liability on unauthorized charges

You're completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise.

No Annual Fee1

And more…

  • Choose from available payment due dates at the beginning, middle, or end of the month
  • Tools to help you stay on track, including auto pay and account alerts
  • Free access to your FICO score online
  • Mastercard® ID Theft Protection available for no additional charge

Costco Anywhere Visa® Business Card by Citi

Apply Now

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4% |or 3% Cash Back

Earn 4% on eligible gas and EV charging with the Costco Anywhere Visa® card for the first $7,000 per year and then 1% thereafter.

Unlimited 3% on restaurants and eligible travel, including Costco Travel.

2% |or 1% Cash Back

Unlimited 2% on all other purchases from Costco and Costco.com.

Unlimited 1% on all other purchases.

No Annual Fee1with your active/paid Costco membership.

And more…

  • No foreign transaction fees1
  • Use the Costco Anywhere Visa card as your Costco membership ID

AT&T Points Plus® Card From Citi

Apply Now

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$ Statement Credit

Earn a $ statement credit after you spend $ on purchases in the first months of account opening.2

Plus

Earn up to $240 back toward your qualifying AT&T wireless bills every year after qualifying activities.2

3 timesx | or 2 timesx | or 1 timesx Points

Earn 3 ThankYou® Points for every $1 spent at gas stations.2

Earn 2 ThankYou® Points for every $1 spent at grocery stores, including grocery delivery services.2

Earn 1 ThankYou® Point for every $1 spent on all other purchases.2

No Annual Fee1

And more…

  • $0 liability on unauthorized charges
  • No limit on points you can earn and points don’t expire
Credit Cards - Apply for a New Credit Card Online (2024)

FAQs

What credit score is usually required to open a new credit card? ›

Some cards may require a specific range in order to get the perks that come with that card, like travel rewards or higher credit limits. A credit score of about 700+ will likely qualify you for just about any credit card, including those with cash back rewards, lower annual percentage rates (APRs) and more.

How long should I wait until I apply for another credit card? ›

It's a good idea to wait at least six months between credit card applications to protect your credit score and avoid exceeding certain card issuers' restrictions. Several applications submitted within a short time frame could damage your credit score for a period of time.

Is it safe to fill out a credit card application online? ›

It's usually safe to apply for a credit card online, especially if you're on the credit card issuer's official website and using a secure connection. Credit card issuers often have stringent security measures designed to help protect applicants' personal information.

What is a good rule for opening up a new credit card or line of credit? ›

If it's been a while since your last approval

In comparison, those with excellent credit (FICO scores of 720 or higher) can often consider a guideline of more like three months. It's also worth mentioning that some credit card issuers have rules about how many cards you can get over a period.

What credit card is the easiest to get? ›

Easiest credit cards to get approved for
  • Best for unsecured card: Capital One Platinum Credit Card.
  • Best student dining card: Capital One SavorOne Student Cash Rewards Credit Card.
  • Best for no annual fee: Citi Double Cash® Card.
  • Best for students: Discover it® Student Cash Back.

How much credit score required for new credit card? ›

Minimum CIBIL Score Required to Get a Credit Card

Banks usually accept a CIBIL score in the range of 700-750 and above to issue a credit card to an applicant. This is subject to the applicant meeting all other eligibility requirements. However, there are some credit cards offered to persons with low credit scores.

What is the 5 24 rule? ›

The 5/24 rule is an unofficial policy that dictates that Chase won't approve you for its cards if you've opened five or more personal credit card accounts from any issuer in the last 24 months. Put simply, the number of cards you've opened in the previous two years will affect your approval odds with Chase.

What happens if you apply for 2 credit cards on the same day? ›

It's a good idea to have more than one credit card, but applying for multiple cards within a short period of time could hurt your credit score.

How many hard inquiries are too many? ›

Since hard inquiries affect your credit score and what is found may even affect approval, you might be wondering: How many inquiries is too many? The answer differs from lender to lender, but most consider six total inquiries on a report at one time to be too many to gain approval for an additional credit card or loan.

Do credit card applications check your bank account? ›

Credit card applications often ask if you have a savings or checking account because they're considered a positive indicator of creditworthiness. Bank accounts also establish a relationship with the card issuer or credit union, which is sometimes a prerequisite for approval.

Do credit card applications usually get approved right away online? ›

Credit card issuers are required by law to respond within 30 days, but online applications may be approved in a few minutes.

Is it faster to apply for a credit card in person or online? ›

Usually, the fastest way to apply for a credit card is via the bank's website.

How long should you wait in between applying for credit cards? ›

Waiting about six months between applications is a good rule of thumb and can increase your chances of approval.

How much does your credit go down if you open a new credit card? ›

To avoid this, experts recommend waiting about three to six months between applications for a loan and a new credit card. How much does your credit score drop when you open a new credit card? Opening a new credit card should decrease your credit scores by just a few points—usually around five to 10 points.

What is the average starting credit limit on new cards? ›

If you have good credit — a FICO score of 670 or higher — you'll likely be approved for a higher credit limit than you would with fair credit. That said, limits on these cards can still range from $500 to $1,000 for first-time cardholders, though you should be able to qualify for larger limits over time.

What credit score do you need for a new card? ›

You will also need a top credit score for a card with perks such as sign-up bonuses. That likely means a score of at least 670 on the FICO scale and more than 660 on the VantageScore scale. FICO scores are the most widely used, but both scoring systems represent the risk you pose to lenders on a scale of 300 to 850.

What is a good enough credit score to get a credit card? ›

If you have a credit score in the good (670 to 799) to excellent range (800 or higher), you're likely to qualify for a card that earns rewards, like cash back or points. However, not all rewards cards or issuers have the same minimum credit requirements, so it's a good idea to research your options before you apply.

Can I get a credit card with a 600 credit score? ›

Can I get a credit card with a 600 credit score? Yes, many banks and issuers offer credit cards targeted towards consumers with fair or average credit scores.

How many points off your credit score do you need for a new credit card? ›

Your credit score will normally go down by fewer than five points when you apply for a credit card. FICO reports that for most people, one credit inquiry takes off fewer than five points under its credit scoring system. The impact can vary based on your own unique credit history.

References

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