Apply On-Line Citi CashReturns(SM) Card Apply on-line for a safe and hassle-free application experience Earn up to 6% Cash Back on purchases; a full 1% cash back on every purchase PLUS an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center. Earn a 20% bonus on the cash back earned on all purchases for the first 12 months Checks will be sent automatically every time you earn $50 - no calling necessary 0% APR* on balance transfers for up to 12 months No annual fee Apply on-line for the Citi CashReturns(SM) Card   Other information about the Citi CashReturns(SM) Card APR Intro APR Annual Fee Rewards Credit Needed Approval Rate As low as 9.74% 0.00% for up to 12 months on Balance Transfers $0 Cash Back Good Excellent