Specifics

• Introductory Rate: 0% APR for up to 12 Months
• Applied Towards: Purchases, Balance Transfers
• APR (Purchases): As low as 8.49% 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: n/app (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: n/app

Review

This card has a low rate intro for purchases and balance transfers with no annual fee. Length of intro period will be 12 or 6 months, depending on review of your application and credit history. Balance transfer fee is 3% ($5 minimum, no maximum). 3% international transaction fee. Platinum cardholder benefits include auto rental insurance, fraud protection services, up to $1,000,000 in travel accident insurance, and retail protection insurance. Last Modified Date: 7/1/2008 12:00:00 AM

Additional Perks

Various Internet account related services.
Reports to all major credit bureaus to help you establish your credit history.
Citi Identity Theft Solutions.
$0 liability on unauthorized purchases.
Secure, free online account management.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Fraud and security protection services.
Lost wallet service.
Lost and stolen card reporting.
Emergency card replacement.
Emergency cash replacement.
Optional personal photo on card.
Various travel and emergency assistance services.
Medical referral services.
Legal referral services.
See website for additional benefits.
.

Important Notations

The APR for purchases and balance transfers varies according to the applicant's credit history and will be 8.49%, 12.49%, or 16.49%. See website for complete terms and conditions of card usage and application disclosure.