Specifics

• Introductory Rate: 0% APR for up to 12 Months
• Applied Towards: Balance Transfers
• APR (Purchases): As low as 9.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 19.99% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: None
• Additional Cardholders: $0
• Grace Period: 20 Days (Min.)
• Minimum Credit Limit: n/a
• Maximum Credit Limit: n/a
• Late Payment Fee: $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over
• Over-The-Limit Fee: $39
• Cash Advance Fee: 3%, $5 minimum
• Balance Transfer Fee: A balance transfer fee applies with this offer* (see site for details).

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: None

Review

Created for those with very good credit who will transfer a balance and use the Cash Back rewards. Earn 1% Cash Back on purchases and cash advances (earn an average additional 5% on purchases made with retailers within the Citi Bonus Cash Center). 20% Bonus on the Cash Back earned on all purchases during the first 12 months (earn 1.2% on purchases during the first year). One of the few cards that offers rewards for balance transfers. Earn 5 CitiDollars for each balance transfer transaction of $1,500 or more. Checks are issued on $50 increments. Benefits include auto rental insurance, travel and emergency assistance. Last Modified Date: 8/27/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
$0 liability for unauthorized purchases.
Auto rental insurance.
Auto rental discounts.
Travel accident insurance.
Fraud and security protection services.
Various travel and emergency assistance services.
Identity theft solutions.
Lost and stolen card reporting.
Annual account summary.
See website for additional benefits.
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Important Notations

The APR for purchases and balance transfers varies according to the applicant's credit history and will be 9.99%, 13.99%, or 17.99%. The 0% introductory offer varies according to the applicant's credit history and will apply to balance transfers for 1-12 months or 3-6 months. See website for complete terms and conditions of card usage and application disclosure.