USES

AllModern Mastercard® from Citi Review

AllModern Mastercard® from Citi — all information about the credit card.

Updated February 17, 2025
Advertiser Disclosure Our Methodology
Citi AllModern Mastercard®
Learn more
Our Rating:
3.66 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Back in Rewards at AllModern.
    • 3% Back at grocery stores.
    • 2% Back on online purchases.
    • 1% Back on all other purchases.
  • Intro Offer:
    • $40 Off your qualifying first order if it is at least $250.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    31.24% Variable
  • Balance Transfer APR:
    31.24% Variable
Show more

We recommend more cards

Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
The Owner’s Rewards Card by M1 Celtic Bank
The Owner’s Rewards Card by M1
Celtic Bank
$0
Annual Fee
17.99% - 27.99%
Regular APR
10%
You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
Apply now
On Celtic Bank‘s site
Learn more

Citi AllModern Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
AllModern purchases
$
3%
Groceries
$
2%
Online shopping
$
1%
All other purchases
$
Have you already recieved the Citi intro bonus?
Calculate
Show less details

All benefits

  • Cash back
    • 5% At AllModern.
    • 3% At grocery stores.
    • 2% On online purchases.
    • 1% On all other purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 31.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 31.24% Variable
  • APR for Cash Advances
    • 29.99% Variable

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • $10 or 5% of the amount of each transfer
  • Fees for Cash Advances
    • $10 or 5% of the amount of each cash advance
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • Foreign Transaction Fee
  • High APR

Features

Classic
Mastercard
  • No Annual Fee
  • Fraud Protection
  • Rewards
  • Good Credit
  • Excellent Credit

About the issuer

Citi
Citi has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Divvy Cross River Bank
Divvy
Cross River Bank
4.04 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • None
    Regular APR
  • 2x - 7x:
    Points on restaurants.
  • None
    Purchase Intro APR
Apply now
On Cross River Bank‘s site
Unsecured
Destiny® Mastercard® First Electronic Bank
Destiny® Mastercard®
First Electronic Bank
1.47 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • *see terms*
    Annual Fee
  • 35.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On First Electronic Bank‘s site
First Progress Platinum Select Mastercard® Secured Synovus Bank
First Progress Platinum Select Mastercard® Secured Credit Card
3.5 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $39
    Annual Fee
  • 18.24%
    Regular APR
  • 1%
    Cash Back on payments made to your First Progress Secured credit card account.
  • None
    Purchase Intro APR
Apply now
On First Progress’s site

See Another Credit Cards in the Bank

Citi AllModern Mastercard® is an option for those, who need Classic features. With an APR of 31.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Citi AllModern Mastercard® you will get such features as No Annual Fee, Fraud Protection, Rewards, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
First Progress Platinum Prestige Mastercard® Secured Synovus Bank
First Progress Platinum Prestige Mastercard® Secured Credit Card
3.8 out of 5
Recommended credit score
scorer
No Credit History to Fair (0-669)
  • $49
    Annual Fee
  • 14.24%
    Regular APR
  • 1%
    Cash Back rewards on payments.
  • None
    Purchase Intro APR
Apply now
On First Progress’s site