Specifics

• Introductory Rate: 0% APR for up to12 Months
• Applied Towards: Balance Transfers
• APR (Purchases): As low as 10.99% 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: 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: $300 Dividend Dollars (Dividend Dollars earned on purchases through the Citi Dividend Merchant Network are not subject to the $300 maximum.)

Review

Created for those with very good credit who will use the cash reward program. Earn 5% cash back on purchases made at supermarkets, drug stores and gas stations for 6 months, 2% after that; 1% on all other purchases. Yearly rebate limit is $300. "Dividend Dollar" checks are sent out in increments of $50, so cardholders would need to spend $5,000 on the card before receiving their first cash rebate check. Gives you time to transfer a balance and get the 0% APR for up to 12 months on balance transfers. First balance transfer must be completed within 12 months from date of account opening. Receive 5 Dividend Dollars for each individual balance transfer transaction of $1,500 or more. Benefits include up to $1,000,000 in travel accident insurance, various travel and emergency assistance services, auto rental insurance and car rental discounts. This card will benefit those who plan to spend over $5,000 a year on the card (to earn the minimum cash rebate) and plan to pay in full each month after the introductory rate expires. Last Modified Date: 7/30/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
No liability for unauthorized transactions.
Identity theft solutions.
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.
Medical referral services.
Legal referral services.
Lost luggage assistance.
Discounts on auto rentals.
Optional personal photo on card.
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 5.99%, 9.99%, or 13.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.