Citi CashReturns(SM) MasterCard® 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 CashReturns(SM) MasterCard®, issued by Citibank, is designed for those with very good credit who will take advantage of the interest-free introductory offer and the cash back reward program. The card offers access to a free reward program. Through the reward program, cardholders will earn up to a 6% rebate on purchases. Cardholders will receive five CitiDollars for each individual balance transfer transaction of $1,500 or more. A $50 check will automatically be issued every time $50 CitiDollars have been earned. Checks cannot be issued for less than $50. The card has no annual fee, an attractive 0% introductory rate on balance transfers for up to twelve months, and a reasonable interest rate for purchases. However, 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 and services that include no liability for unauthorized transactions, auto rental insurance, various travel and emergency assistance services, and an annual account summary. Therefore, individuals who will take advantage of the reward program, the introductory offer, and the additional benefits will benefit most from what the Citi CashReturns(SM) MasterCard® has to offer. Most Attractive Feature: Long term 0% introductory rate; no annual fee; access to reward program. Least Attractive Feature: Minimum APR cap for cash advances. Apply Now For Citi CashReturns(SM) MasterCard® Note: The review of this Citibank card was updated on 09/22/2008 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
Introductory Rates and Terms
Intro Rate:	0% APR for up to 12 Months
Applied Towards:	Balance Transfers
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	As low as 9.99%
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:	$0
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:	$39
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
Rebate Minimum:	1%
Rebate Maximum:	6%
Additional Rebates:	Cardholders will receive five CitiDollars for each individual balance transfer transaction of $1,500 or more.
	A $50 check will be issued upon request once $50 CitiDollars have been earned. Checks cannot be issued for less than $50.

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. $0 liability for unauthorized purchases. Auto rental insurance. Auto rental discounts. Travel accident insurance. Fraud and security protection services. Various travel and emergency assistance services. Identity theft solutions. Lost and stolen card reporting. Annual account summary. See website for additional benefits. Important Notes Regarding This Offer The APR for purchases and balance transfers varies according to the applicant's credit history and will be 9.99%, 13.99%, or 17.99%. The 0% introductory offer varies according to the applicant's credit history and will apply to balance transfers for 1-12 months or 3-6 months. See website for complete terms and conditions of card usage and application disclosure.