US National Credit Cards

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    Reviewed by: 1 Member
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      Instant Approval
      This is my first Citi Card, and I was tempted by the 5% cash back on certain categories. I plan to use that... Who doesn't need an extra 5% back in their wallet? Anyway, so far I am very pleased with the approval process: Approved in about 30 seconds after submitting my application with a 735 FICO (TU). APR is high at 20.99%, but I pay off my balances anyway, so the rewards is what matters. No annual fee and a 3,000 credit limit for starters.
      mike



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