Specifics

• Introductory Rate: 0% APR for up to 12 Months
• Applied Towards: Balance Transfers
• APR (Purchases): As low as 10.24% 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: $300
• 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: 1 Point
• Additional Points: Earn 5 points per dollar spent at participating supermarkets, drugstores, and gas stations for the first 12 months of cardmembership; earn 1 point thereafter; and earn 1 point per dollar spent on all other purchases.
• Point Details: Points can be redeemed for various items or services including retail gift certificates, AT&T phone cards, rebate credits on the account, or an APR point decrease for the Citi® Diamond Preferred® Rewards Card account. See www.thankyouredemptions.com for more information.
• Expiration: 5 Years (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: 75,000 Points

Review

Created for those with good credit who will use the reward program. Earn 5 points per $1 spent on purchases made at drugstores, gas stations, and supermarkets during the first year; after the intro period ends, earn 1 point per $1 spent on all other purchases. Use points for a variety of services and purchases. Option to request your own reward- tell them the reward you want, if they can find it, they will tell you the points required. You may be able to periodically reduce the card's APR for purchases and cash advances. Earn a maximum of 75,000 points; points expire in 5 years. 3% international transaction fee. Benefits include travel accident insurance (up to $1,000,000), services for emergency and travel assistance, car rental discounts and auto rental insurance. Last Modified Date: 11/12/2008 12:00:00 AM

Additional Perks

$0 liability on unauthorized purchases.
Various Internet account related services.
Identity theft solutions.
Price protection program.
Optional personal photo on card.
Fraud and security protection services.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Automatic bill payments.
Year-end financial statement (upon request).
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Various travel and emergency assistance services.
Medical referral services.
Legal referral services.
Lost luggage assistance.
Discounts on auto rentals.
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 6.24%, 14.24%, or 18.24% + Prime Rate. The minimum APR for cash advances is 19.99%. See website for complete terms and conditions of card usage and application disclosure.