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Birch Lane Mastercard® from Citi Review

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

Updated February 17, 2025
Advertiser Disclosure Our Methodology
Citi Birch Lane 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 Birch Lane.
    • 3% Back at grocery stores.
    • 2% Back online.
    • 1% Back on all other purchases.
  • Intro Offer:
    • $40 Off your qualifying first order of $250.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    31.24% Variable
  • Balance Transfer APR:
    31.24% Variable
Show more

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Citi Birch Lane Mastercard® Rewards Calculator

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

  • Cash back
    • 5% At Birch Lane.
    • 3% At grocery stores.
    • 2% Online.
    • 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:
  • High APR
  • Foreign Transaction Fee

Features

Classic
Mastercard
  • No Annual Fee
  • Cashback
  • 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

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See Another Credit Cards in the Bank

Citi Birch Lane 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 Birch Lane Mastercard® you will get such features as No Annual Fee, Cashback, Fraud Protection, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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