Specifics

• Introductory Rate: 0% Intro APR*
• Applied Towards: Purchases, Balance Transfers
• APR (Purchases)**: 11.99% - 21.99%* (Variable) The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 25.24% 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 - 25 Days
• Minimum Credit Limit: $500
• Maximum Credit Limit: n/a
• Late Payment Fee: Up to $35
• Over-The-Limit Fee: None
• Cash Advance Fee: 5% of each cash advance; $10 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: 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

An attractive card if you have good or excellent credit. One of the best intro rates available--0% interest rate for 18 months for balance transfers and 0% for 18 months for purchases. No annual fee. Balance transfer fee is 3% ($5 minimum, no maximum). Cardholder benefits are average compared to other platinum cards and include auto rental insurance, fraud protection services, and retail protection insurance. (Not designed for applicants with average or poor credit). Last Modified Date: 12/14/2011 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.
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.
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Important Notations

See website for complete terms and conditions of card usage and application disclosure.

**See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.