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How to activate a Citi credit card

There are three ways you can activate your card.


As soon as your Citi credit card arrives, you can activate it either by phone, online or through your Citi mobile app. All three options are straightforward and only take a few minutes.

How to activate your Citi card online

You can easily activate your Citi credit card online. All you need to do is:

  1. Visit
  2. Provide the required information, such as your card account number and Social Security number

How to activate your Citi card by phone

If you prefer activating by phone, here’s what to do:

  1. Call the number on the back of the card
  2. Follow the prompts
  3. You may need to provide your personal information and your card number

How to activate your Citi card with a mobile app

You can also activate your card via the free Citi Mobile app. Here’s how:

  1. Download the Citi Mobile app for iOS or Android
  2. Open the app and tap Register or Activate a card
  3. Tap Credit card
  4. Take a photo of your card
  5. Confirm the information and verify your ID — you may also need to answer security questions

Compare Citi credit cards

Now that your Citi card is activated, you can start using it. Down the line, you may feel the need for a higher credit line or perks and features that your current Citi card lacks. Pairing cards can also help you maximize rewards. For example, if you now earn flat rewards on all purchases, consider a card with accelerated gas rewards or rewards in any other category where you spend most. The cards in the table below may be strong secondary options.

Name Product Welcome offer Rewards Annual fee Filter values
Citi® Diamond Preferred® Card
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Citi Premier® Card
60,000 points after spending $4,000 in the first 3 months
3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else
Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
Get 2x points on restaurants and gas with this unique no-annual-fee card. Your rewards round up to the nearest 10 points for each purchase!

Compare up to 4 providers

Bottom line

Just like the process to activate other credit cards, there are three simple ways to activate your Citi credit card. You can activate your card by phone, online or with the Citi mobile app. If you’re ready to get a higher credit limit and additional perks, consider adding a secondary credit card to your wallet.

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