Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

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

Getting started with your Citi credit card

Now that your Citi card is activated, it’s time to start using it. Here are your next steps once you’ve activated your card:

    • Log in to your Citi account. You can confirm your card’s activation by logging into your Citi account, or creating one if you haven’t. This is also where you can review your card’s rates and fees, as well as its perks and features. These features can offer a lot of value, so it pays to keep them in mind.
    • Start earning rewards. Citi offers a wide variety of rewards cards and several Citi rewards programs to go with it. Depending on which rewards card you get, you’ll want to start spending in certain areas to pump up your reward earnings.
    • Redeem your rewards. Once you’ve earned a good number of points or miles, it’s time to spend them. The Citi ThankYou Rewards program has several different ways to redeem your points. Some more valuable than others, so check out our guide to make the best use of your points. Similarly, the American Airlines AAdvantage program offers several ideal ways to redeem your AAdvantage miles.
    • Set up your PIN. If you plan on using your card abroad or performing a cash advance, you’ll need to set up a PIN. This 4 digit number lets you access your card account at the ATM.
    • Set up autopay. Once your account is open, one of the first things you should do for your financial health is set up autopay, preferably for your full month’s balance each month. This not only helps you avoid missing payments, but prevents your account from accruing interest on purchases.
    • Download the Citi app. The Citi mobile app lets you access your account on the go. You can handle most account functions through this app, such as making payments.
    • Set up your Citi virtual card. Citi is one of the few providers to offer virtual cards for online purchases. This can help keep you secure when you shop online.

Bottom line

Just like the process to activate other credit cards, there are three simple ways to activate your Citi credit cards. 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.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site