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To apply you must:

  • Be 18 years of age or older (21 years of age or older in Puerto Rico)
  • Provide a valid Social Security Number and Photo ID number

Your Personal Information


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Your Financial Information



Your Security Information



Manage Your Citi Online Account

Important Information

You must have a computer equipped with at least a 128-bit security encrypted enabled browser and either a printer, a drive or other storage device in order to view and retain a copy of the Terms and Conditions, Additional Disclosures and Privacy Notice. To request a paper copy of the Additional Disclosures and Privacy Policy, write to: Credit Program, P.O. Box 6403 Sioux Falls, SD 57117-6403.Terms and Conditions

By providing your email address, Citibank, N.A. may use it to contact you about your account and tell you about useful products and services. You are also providing your email address to Sears Holdings Corporation, which may use it to send you offers and news about the latest merchandise, promotions and sales.

Federal law requires a physical street address for identification purposes. We must obtain, verify and record information that identifies each person who opens an account in order to help the government fight the funding of terrorism and money laundering activities.

By giving us a cell number or a number later converted to a cell number, you agree that we or our service providers can contact you at that number by autodialer, recorded or artificial voice, or a text. Your phone plan charges may apply.

You will be able to verify your information before
submitting the application.