Specifics

• Introductory Rate: 0% Intro APR for 7 Months*
• Applied Towards: Purchases
• APR (Purchases)**: 12.99% - 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 Days
• Minimum Credit Limit: $500
• Maximum Credit Limit: n/app
• 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: Either $10 or 5% of the amount of each cash advance, whichever is greater.
• Balance Transfer Fee: 4% 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

Created for students who want a cash back credit card. Earn 5% cash back rebate on purchases made a supermarkets, drugstores, convenience stores, and utilities for 6 months, 1% after that. 1% rebate on all other purchases. Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required. Receive $5 Dividend Dollars for each balance transfer over $1,500. Earn up to $300 in rebates per year. $50 check will be issued upon request once $50 Dividend Dollars have been earned. Benefits include $1,000,000 in travel accident insurance. No cosigner required. Last Modified Date: 8/26/2010 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.

**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.