How to Apply for a Citibank Credit Card

By Nicki Howell

  • Overview

    As the credit card business has become more competitive, financial intuitions are offering many creative reward options to customers. Citibank offers a variety of incentives including gas, travel, cash back and merchant reward cards. But many consumers interested in applying for a Citibank credit card aren't sure where to start. Here's how to apply for a Citibank credit card.
    • Step 1

      Decide which Citibank rewards fit your needs. Citibank offers Shell gas cards, merchant cards such as Macy's and Sears and more versatile cash-back cards that allow you to earn 1-3 percent back on qualifying purchases. Decide which rewards program is the best for your family.
    • Step 2

      Decide how you will use your Citibank card. Some cardholders use it for all purchases to maximize the points earned. If this is how you plan on using your card, request a higher limit to accommodate your monthly expenses.


    • Step 3

      Review interest rates and terms. Before applying for your Citibank credit card, read the fine print to determine the card's annual percentage rate, or APR, and additional fees. Some cards charge expensive late fees if your payment is past the allotted grace period.
    • Step 4

      Determine if you're willing to pay an annual fee. Many of Citibank's credit cards don't have annual fees. But some cards, such as the American Airlines Advantage Card, have annual fees up to $85.
    • Step 5

      Once you select your Citibank credit card, you can submit an application online or call 800-347-4934. Some applicants receive instant decisions, while others need to wait for a reply by mail. If you don't have credit established or have a lower credit score, your decision may take longer.
    • Skill: Moderate
    • Ingredients:
    • Pen
    • Paper
    • Tip: Citibank credit cards include many 0 percent APR balance transfer offers. Take advantage of these offers if you have other credit cards you would like to consolidate.
    • Warning:
    • Pay attention to your APR. If you make a late payment, this rate can climb high. If you haven't made a late payment in the past, contact Citibank's customer service department to request special exception in lowering your rate.

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