Citi PremierPass® Elite Level issued by Citibank
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Citi PremierPass® Card Elite Level, issued by Citibank, is designed for those with excellent credit who are looking for a reward card that is compatible with any airline. Through the reward program, cardholders earn two points for every dollar spent on purchases made at supermarkets, drugstores, gas stations, and commuter transportation and parking merchants. One point is earned for all other general purchases and for every one mile the cardholder flies on any airline - or anyone else whose ticket is bought with the card. Cardholders will also receive 20,000 bonus points after $600 in purchases is made within three months of account opening - that\'s enough for a round-trip ticket up to $400 in value. Points can be redeemed for flights on any airline with no blackout dates, discounts on hotel stays, retail gift cards, electronics, and statement credits through the ThankYou(SM) Network. The maximum number of points that can be earned per year is 200,000, and points will expire in three years if the account has not been active during that time. Although this card has a slightly high annual fee of $75, it does offer a reasonable interest rate for purchases and balance transfers. There is a minimum cap for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap. Aside from the reward program, cardholders can expect access to a variety of benefits that include up to $1,000,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services. This card also offers cardholders unlimited companion travel. Therefore, those who will be able to take advantage of the reward program and the additional services will benefit most from what the Citi PremierPass® Card Elite Level has to offer. Most Attractive Feature: Attractive reward program; bonus points. Least Attractive Feature: Minimum APR cap for cash advances; slightly high annual fee. Apply Now For Citi PremierPass® Elite Level Note: The review of this Citibank card was updated on 09/16/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Miscellaneous Rates and Terms
Credit Limits:	See Important Notations (Maximum) / See Important Notations (Minimum)
Purchases APR:	As low as 13.99%
Cash Advance APR:	19.99% There is a minimum APR on cash advances.
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days (Min.)
Fees Associated with this Card
Annual Fee:	$75
Add. Cardholders:	$0
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:	None
Cash Advance Fee:	3%, $5 minimum
Balance Transfers:	A balance transfer fee applies with this offer* (see site for details).

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	1 Point
Additional Points:	Earn 1 Select Spend Point plus 1 Purchase Point for every dollar you spend at gas stations, supermarkets, and drugstores, plus earn 1 Purchase Point for every other dollar you spend. Earn 1 Flight Point for every mile you fly on any airline - or anyone else whose ticket you buy with the card.
	Points can be redeemed for flights on any airline with no blackout dates, discounts on hotel stays, retail gift cards, electronics, and statement credits through the ThankYou(SM) Network.
Expiration:	3 Years (Points do not expire as long as the account is active during a 3-year period.)
Yearly Limit:	200,000 Points (only 100,000 of which may be ThankYou flight points)
Other Bonus:	20,000 Points
	*Earn 20,000 bonus points after $600 in purchases are made within three months of account opening.

Additional Highlights of Interest

Special Card Benefits and Features Free unlimited companion travel. Identity theft solutions. Fraud and security protection services. Various Internet account related 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. No liability for unauthorized transactions. Various travel and emergency assistance services. See website for additional benefits. Important Notes Regarding This Offer The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources. See website for complete terms and conditions of card usage and application disclosure.