Specifics

• Introductory Rate: 0% APR for 6 Months
• Applied Towards: Purchases, Balance Transfers, Cash Advances
• APR (Purchases): 13.99% 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: $500
• 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: 3% of each balance transfer; $5 minimum

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: $300 in Rebates (Dividend Dollars earned on purchases through the Citi Bonus Cash Center(SM) are not subject to the $300 maximum.)

Review

Since this card offers a cash back rewards program, it is a good choice if you pay off your balance each month. Receive 1% cash back on all general purchases; receive up to 5% on purchases made at gas stations, grocery stores and drug stores for six months and 2% after the intro period ends. Earn up to $300 each year. Each time you earn $50, contact Citicards to receive your check. Last Modified Date: 9/22/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Build your credit history.
Identity theft solutions.
Optional personal photo on card.
Fraud and security protection services.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Automatic bill payment.
No liability for unauthorized transactions.
Up to $1,000,000 in travel accident insurance.
Access to credit education tips and tools.
See website for additional benefits.
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Important Notations

No minimum income or cosigner required. See website for complete terms and conditions of card usage and application disclosure.