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Citibank,N.A.CompleteTermsPage

CITIDISCLOSURES
InterestRatesandInterestCharges

Annual
PercentageRate
(APR)for
Purchases

0%introductoryAPRfor7monthsfromdateofaccount
opening.

Afterthat,yourAPRwillbe13.99%,18.99%,or

23.99%,basedonyourcreditworthiness.TheseAPRswill
varywiththemarketbasedonthePrimeRate.*
APRforBalance
Transfers

13.99%,18.99%,or23.99%,basedonyour

creditworthiness,fortransferscompletedwithin2monthsfrom
dateofaccountopening.
TheseAPRswillvarywiththemarketbasedonthePrimeRate.*

APRforCash
Advances

25.24%
ThisAPRwillvarywiththemarketbasedonthePrimeRate.*

PenaltyAPRand
WhenitApplies

Upto29.99%,basedonyourcreditworthiness.ThisAPRwill
varywiththemarketbasedonthePrimeRate.*
ThisAPRmaybeappliedtoyouraccountifyou:
(1)Makealatepaymentor
(2)Makeapaymentthatisreturned.

HowLongWillthePenaltyAPRApply?IfyourAPRsare
increasedforeitherofthesereasons,thePenaltyAPRmay
applyindefinitely.
PayingInterest

Yourduedateisatleast23daysafterthecloseofeachbilling
cycle.Wewillnotchargeyouanyinterestonpurchasesifyou
payyourentirebalancebytheduedateeachmonth.Wewill
begincharginginterestoncashadvancesandbalancetransfers
onthetransactiondate.

MinimumInterest
Charge

Ifyouarechargedinterest,thechargewillbenolessthan50
cents.

ForCreditCard
Tipsfromthe
Consumer
Financial
ProtectionBureau

Tolearnmoreaboutfactorstoconsiderwhenapplyingfor
orusingacreditcard,visitthewebsiteoftheConsumer
FinancialProtectionBureauat

http://www.consumerfinance.gov/learnmore.

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Fees

AnnualFee

None

TransactionFees

BalanceTransfer

Either$5or4%oftheamountofeachtransfer,whicheveris
greater.

CashAdvance

Either$10or5%oftheamountofeachcashadvance,
whicheverisgreater.

ForeignPurchase
Transaction

3%ofeachpurchasetransactioninUSdollars.

PenaltyFees

LatePayment

Upto$35

Returned
Payment

Upto$35

HowWeWillCalculateYourBalance:Weuseamethodcalled"dailybalance
(includingcurrenttransactions)."Forfurtherdetails,pleaseseeAdditionalDisclosuresor
CardAgreementthatwillbeprovidedtoyoubeforeyoucanbeginusingyournewcard.
LossofIntroductoryAPR:WemayendyourintroductoryAPRandapplythePenalty
APRifyoumakealatepayment.
BillingRights:Informationonyourrightstodisputetransactionsandhowtoexercise
thoserightsisprovidedintheAdditionalDisclosuresorCardAgreementthatwillbe
providedtoyoubeforeyoucanbeginusingyournewcard.
NewYorkresidentsmaycontacttheNewYorkStateBankingDepartmenttoobtaina
comparativelistingofcreditcardrates,feesandgraceperiodsbycalling18772265697.
PaymentAllocation:WemayapplytheportionofyourpaymentsuptoyourMinimum
PaymentDuetolowerAPRbalancesfirst,includingtransferredbalances.Generally,
paymentsaboveyourMinimumPaymentDuewillbeappliedtoyourhighestratebalance
first.
*PrimeRate:VariableAPRsarebasedonthe3.25%PrimeRateasof10/01/2015.

TERMSANDCONDITIONSOFOFFER
Thisofferisonlyvalidfornewaccounts.Youmustbeatleast18yearsofageandacurrentlyenrolledcollegestudent.If
youaremarried,youmayapplyforaseparateaccount.Citibank,N.A.("we"or"us")istheissuerofyouraccount.
Citibank,N.A.islocatedinSiouxFalls,SD.
Federallawrequiresustoobtain,verify,andrecordinformationthatidentifieseachpersonwhoopensanaccount,in
ordertohelpthegovernmentfightthefundingofterrorismandmoneylaunderingactivities.Toprocesstheapplication,
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wemusthaveyourname,streetaddress,dateofbirth,andotheridentifyinginformation,andwemayaskforidentifying
documentsfromyouaswell.
Pleaseallowfourweeksfromdateofsubmissiontoprocessacompletedapplication.
Wemaygatherinformationaboutyou,includingfromyouremployer,yourbank,creditbureaus,andothers,toverifyyour
identityanddetermineyoureligibilityforcredit,renewalofcredit,andfutureextensionsofcredit.Ifyouaskus,wewilltell
youwhetherornotwerequestedacreditbureaureportandthenamesandaddressesofanycreditbureausthat
provideduswithsuchreports.
ToreceiveaCitiThankYouPreferred,youmustmeetourapplicablecriteriabearingoncreditworthiness.Yourcredit
limitwillbedeterminedbyyourannualsalaryandwages,yourotherannualincomeandareviewofyourdebt,including
thedebtlistedonyourcreditreport.Youwillbeinformedoftheamountofyourcreditlinewhenyoureceiveyourcard.
Somecreditlinesmaybeaslowas$500.Pleasenotethatcashadvancesmaybelimitedtoaportionofyourcreditline.
NoticetoOhioResidents:TheOhiolawsagainstdiscriminationrequirethatallcreditorsmakecreditequallyavailableto
allcreditworthycustomers,andthatcreditreportingagenciesmaintainseparatecredithistoriesoneachindividualupon
request.TheOhioCivilRightsCommissionadministerscompliancewiththislaw.
NoticetoWisconsinResidents:Nomaritalpropertyagreement,unilateralstatement,orcourtdecreeadverselyaffects
ourrights,unlessyougiveusacopyofsuchagreement,statementorcourtorderbeforewegrantyoucredit,orwehave
actualknowledgeofitstermsbeforeyouraccountisopened.

IMPORTANTINFORMATIONABOUTBALANCETRANSFERS

BalanceTransferInstructions:
1.Afterreceivingyourcard,youmaycallthecustomerservicenumberonthebackofyourcardtotransferbalances.However,
ifyouarepresentedwiththeoptiontotransferabalancewithyourapplication,itwilltakeatleast14daysafteryouraccountis
openedtoprocessbalancetransferpayments.Duringthistimeyoumaycancelormodifyyourbalancetransferrequestby
callingthenumberonthebackofyourcard.
2.Youmaytransferanyamount,butthetotalamountofyourbalancetransfersandbalancetransferfeesmustbelessthan
youravailablecreditlimit.Besureyoudonottransferanydisputedpurchaseorotherchargeamount,asyoumayloseyour
disputerights.YoucannottransferbalancesfromotheraccountsissuedbyCitibank,N.A.oritsaffiliates.Ifyouareunsureof
theissuerontheaccount,pleasevisitwww.citi.com/affiliatesproductsforalistofCitiproductsandaffiliates.
3.Continuetomakepaymentsonyourotheraccountsuntilyouhaveconfirmedthisbalancetransferhasbeenreceived.Once
approved,wepaytheamountofthebalancetransferdirectlytothatissuer.Theavailablecreditlimitforyournewcardwillbe
reducedbythetotalamountofthetransfers,includingfees,weapprove.
ThingsYouShouldKnowAboutYourBalanceTransferOffer:
Ifyoutransferabalancewiththisoffer,interestwillbechargedonpurchasesmadewithyourcreditcard,unlessyour
purchaseshavea0%APR,oryoupaytheentirebalance(includinganytransferredbalances)infulleachmonthbythe
paymentduedate.
Balancetransfersaremadeavailableatourdiscretion.AllbalancetransfersaresubjecttothestandardpurchaseAPR
unlessanintroductoryorotherpromotionalrateapplies.
IfyoudefaultunderyourcardagreementyoumayloseanypromotionalAPRonthebalancetransfer.

CitiThankYouRewards
CitiThankYouPreferredCardTermsandConditions

CitiThankYouRewardsisofferedtocertaincardmembers("you")atthesolediscretionofCitibank,N.A.("we"),theissuerofyourcard

account("CardAccount").ThankYouRewardsoranyportionthereofmayberevisedorterminatedwith30dayspriorwrittennotice.Any
revisionsmayaffectyourabilitytousetheThankYouPointsyouhavealreadyaccumulated.IfThankYouRewardsisterminated,youwill
onlyhave90daysfromThankYouRewardsterminationdatetoredeemallyouraccumulatedThankYouPoints("ThankYouPoints").
RewardsofferedbyThankYouRewardsandtheThankYouPointlevelsrequiredforspecificrewardsaresubjecttochangewithoutnotice.

Unlessyouareparticipatinginalimitedtimeoffer,youwillearn:

2ThankYouPointsforeverydollaryouspendonpurchasesatrestaurantsandonselectentertainmentmerchantsincludingsports
promoters,theatricalpromoters,movietheaters,amusementparks,touristattractions,recordstoresandvideorentalstores
1ThankYouPointforeverydollaryouspendonallotherpurchases.
Restaurantsareclassifiedasdiningestablishmentsthatprimarilypreparefoodanddrinksforimmediateconsumptionbyconsumers,either
onthemerchant'spremisesorpackagedfortakeout,andincludebars,cocktaillounges,discotheques,nightclubs,tavernsandfastfood
restaurants.Sportspromotersareclassifiedasmerchantsthatoperateandpromotelivesportingevents(professionalorsemi
professional),andmayalsoincludesportsstadiums.Theatricalpromotersareclassifiedasmerchantsthatoperatelivetheatrical
productionsorconcerts,andincludeticketingagencies.Movietheatersareclassifiedasestablishmentsthatsellticketsandrefreshments
formovieproductions.Amusementparks(includingzoos,circusesandaquariums)areclassifiedasestablishmentsthatoperateparksor

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carnivalsandoffermechanicalridesandgamesand/orliveanimalshows.Touristattractionsandmuseums(includingartgalleries)are
classifiedasestablishmentsthatoperateattractionsandexhibitsfortourists.RecordstoresareclassifiedasestablishmentsthatsellCDs
andrelateditems,includingonlinerecordstores.VideorentalstoresareclassifiedasmerchantsthatrentDVDsand/orgamesand
relatedequipmentforconsumeruse,includingonlinevideorentals.
Wedonotdeterminehowmerchantsorestablishmentsareclassified,however,theyaregenerallyclassifiedbaseduponthemerchants
primarylineofbusiness.Wereservetherighttodeterminewhichpurchasesqualifyforthisoffer.Purchasesnoteligibletoreceivethe
additionalThankYouPointsinclude,butarenotlimitedto,purchasesmadeatwarehouseclubs,discountstores,departmentstoresand
conveniencestores.

YoumayearnThankYouPointsaslongasyourCardAccountisopenandcurrent.IfyourCardAccountisclosed,youwillnotbeableto
earnThankYouPointsandyouwillloseanyaccumulatedThankYouPointsthathavenotbeentransferredtoyourThankYouMember
Account.Balancetransfers,cashadvances,conveniencechecks,returnedpurchases,disputedorunauthorizedpurchases/fraudulent
transactions,financecharges,CardAccountfees,andfeesforservicesandprogramsyouelecttoreceivethroughusdonotearn
ThankYouPointsunlessotherwisespecified.

IfyoudonotalreadyhaveaThankYouRewardsMemberAccount(ThankYouMemberAccount),onewillbesetupforyou.ThankYou

PointsearnedfrompurchasesposttoyourCardAccountatthecloseofeachbillingcycle,andatthattimewewilltransfertheThankYou
PointsyouearnedtoyourThankYouMemberAccount.(BonusThankYouPointsmaytakeonetotwoadditionalbillingcyclestoposttoyour
CardAccount.)ThankYouPointsarenoteligibleforredemptionuntiltheyaretransferredtoyourThankYouMemberAccount.ThankYou
PointsmaynotberedeemedandmaybelostifyourCardAccountisnotopenorcurrent.

Close

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