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| Credit Card Review |
The Citi® Professional(SM) Card with ThankYou(SM) Network, issued by Citibank, is designed for those with average credit who are looking to maintain and manage all of their personal and business expenses with one credit card.
The card offers access to a free rewards program. Citi® Professional(SM) Card with ThankYou(SM) Network from Citibank . Through the reward program, the cardholder receives one point for every dollar spent on general purchases and three points for every dollar spent at restaurants, gas stations, certain office supply merchants, and on auto rentals. Points can be redeemed for a variety of merchandise, air travel, and gift certificates. Apply for the Citi® Professional(SM) Card with ThankYou(SM) Network today and start enjoying the exclusive benefits. There is a yearly limit of 100,000 points, and points expire in three years.
The card has no annual fee, an attractive 0% introductory rate on purchases for twelve months. Apply today for the Citi® Professional(SM) Card with ThankYou(SM) Network by completing a secure online application. 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 that include up to $1,000,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services.
The card also offers cardholders the benefit of the online expense reporting tool, which allows cardholders to categorize card activity and generate as many individual, easy-to-read expense reports as they choose. Citibank makes it easy to choose the credit card that is right for you.
Therefore, individuals who will take advantage of the rewards program and the additional benefits (especially the online expense reporting tool) will benefit most from what the Citi® Professional(SM) Card with ThankYou(SM) Network has to offer.
Most Attractive Feature: Free rewards program; three points per dollar for select purchases; online expense reporting tool.
Least Attractive Feature: Minimum APR cap for cash advances.
Apply Now For Citi® Professional(SM) Card with ThankYou(SM) Network
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Note: The review
of this Citi® Professional(SM) Card with ThankYou(SM) Network from Citibank was updated on May 5, 2008
*Terms and Conditions
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| Key Card Information |
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Introductory Rate: |
0% APR for 12 Months |
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Time Period: |
9 Months |
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Applied Towards: |
Purchases |
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APR (Purchases): |
13.74% |
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APR (Cash Advances): |
22.74% |
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Finance Configuration: |
Average Daily Balance (including new purchases) |
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Annual Fee: |
$0 |
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Additional Cardholders: |
$0 |
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Grace Period: |
20 Days (Min.) |
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Minimum Credit Limit: |
n/a |
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Maximum Credit Limit: |
n/a |
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Late Payment Fee: |
$15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over |
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Over-The-Limit Fee: |
$35 |
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Cash Advance Fee: |
3%, $5 minimum |
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Balance Transfer Fee: |
A balance transfer fee applies with this offer* (see site for details). |
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Introductory Rate Details: |
The introductory rate is available on purchases submitted during the first twelve months. |
| The Rewards Program
Highlights |
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Expiration: |
3 Years |
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Yearly Limit: |
100,000 Points |
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Bonus Miles: First Purchase: |
See Bonus Details** |
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Points per Dollar: |
1 Point |
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Additional Points: |
3 points are earned for purchases made at restaurants, gas stations, certain office supply merchants, and on auto rentals. |
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Point Details: |
Points are redeemable for air travel, statement credits, gift certificates, and merchandise, or cardholders can create a personalized reward. |
| Additional Highlights of Interest |
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Special Card Benefits and Features
Various Internet account related services.
No liability for unauthorized transactions.
Quarterly and year-end financial statements.
Identity theft solutions.
Fraud and security protection services.
Lost and stolen card reporting.
Emergency card replacement.
Emergency cash replacement.
Automatic bill payment.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Medical referral services.
Legal referral services.
Lost luggage assistance.
Various travel and emergency assistance services.
Access to online expense reporting tool.
See website for additional cardholder benefits.
Important Notes Regarding This
Offer
The minimum APR for cash advances is 19.99%.
See website for complete terms and conditions of card usage and application disclosure.
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Apply Now For Citi® Professional(SM) Card with ThankYou(SM) Network
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