Citi
Citi waives all fees and drops APR to 0% on pre-service cards for active-duty members
For Citi credit card accounts opened before entering active duty, the Servicemembers Civil Relief Act benefit drops the APR to 0% and waives fees — including the annual fee — for the covered period. Reservists and Guard members activated to federal orders qualify.
✓ Year-roundOnlineVerified Jul 2026
Who Qualifies
Active DutyGuardReserve
How to Claim
1File the SCRA Benefits Enrollment Form online under Citi Help & Support, call the Military Response Unit at 877-804-1082, or mail active-duty orders.
2Benefits typically post within 3 statement periods.
Proof Required
🪪 Military ID🪪 Self-Attestation