Citi・Mastercard・No.083
A no-frills card built for one job: giving you 18 months of interest-free time to pay down a balance.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-10-19 (source: citi.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Best for people carrying debt who want a long runway to pay it off without fees or penalties.
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
No. There is no annual fee, ever.
Yes, it charges a 3% foreign transaction fee, so it is not ideal abroad.
Best for people carrying debt who want a long interest-free runway; good credit (~670+) is generally recommended.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.