Citi
Pro Xtra Credit Card
Estimated value every year on typical spending
$125/ year
Every year, after the annual fee. Year one adds a $100 welcome bonus: $225
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Citi Pro Xtra Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $125 a year on typical spending. The welcome bonus adds roughly $100 in the first year.
Its rewards are Home Depot, which only spend with one merchant, so we count them at 50% of face value.
The fine print
- Intro APR
- Not listed
- Regular APR
- Not listed
- Foreign fee
- Not specified
- Rewards paid as
- Home Depot · counted at half value
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 4x rewards on purchases made with their Pro Xtra Credit Card, which can be redeemed for eligible purchases and rentals
Sign-up bonus
$100 today on a qualifying purchase when you open a new credit card with The Home Depot®.
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- Anyone who doesn't shop there often (rewards are Home Depot, so we count them at half value)
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not listed
- Regular APR
- Not listed
- $1200/mo on everyday spending earns about $58/year (0.4x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Pro Xtra Credit Card: questions people ask
Is the Citi Pro Xtra Credit Card worth it?
With no annual fee, the Citi Pro Xtra Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $125 a year on typical spending. The welcome bonus adds roughly $100 in the first year.
What is the Citi Pro Xtra Credit Card annual fee?
The Citi Pro Xtra Credit Card has no annual fee ($0).
What is the Citi Pro Xtra Credit Card welcome bonus?
Save up to $100 today on a qualifying purchase when you open a new credit card with The Home Depot®. We value it at about $100. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Citi Pro Xtra Credit Card earn?
4x rewards on purchases made with their Pro Xtra Credit Card, which can be redeemed for eligible purchases and rentals.
What credit score do you need for the Citi Pro Xtra Credit Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Citi Pro Xtra Credit Card charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.