Citi® Platinum Select® MasterCard®

APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None

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Informed Decision Making:

• 0% APR* on balance transfers and purchases for up to 12 months.
  
• The 0% APR does not apply to cash advances
  
• The 0% APR may increase if you default under any Card Agreement with Citibank
  
• Your payments will be applied to low APR balances before higher ones
  
• No annual fee
  
• Citi Identity Theft Solutions
  
• $0 Liability on unauthorized purchases
  
• Secure, free online account management**
  
• Apply online and get an instant response
  

* Length of your introductory period will be 0.0% for 12 months from the date of cardmembership on purchases and balance transfers or 0.0% for 6 months from the date of cardmembership for balance transfers and purchases depending on our review of your application and credit history.

**Free Online Services:

              Check your balance or available credit.
              Pay your credit card bill—faster
              View unbilled activity and statements—even download for your records
              Get statements only online with the All-Electronic Program

• This offer is only valid for new accounts. You must be at least 18 years of age. If you are married, you may apply for a separate account. Citibank (South Dakota), N.A. ("we" or "us") is the issuer of your account.
  
  
• Federal law requires us to obtain, verify, and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. To process the application, we must have your name, street address, date of birth, and other identifying information, and we may ask for identifying documents from you as well.
  
  
• To process the application for a new account, it must be:
  
  1. Accurately completed
     
  2. Verifiably correct
     
  3. Some offers are for a limited time. If you are responding to a limited time offer, we must receive your application by the expiration date.
     

• Please allow four weeks from date of submission to process a completed application.
  
  
• We may gather information about you, including from your employer, your bank, credit bureaus, and others, to verify your identity and determine your eligibility for credit, renewal of credit, and future extensions of credit. If you ask us, we will tell you whether or not we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports.
  
  
• To receive a Citi® Platinum Select® MasterCard®, you must have an annual income of at least $12000 and you must meet our credit qualification criteria. Your credit line will be determined by your yearly income and a review of your credit report. You will be informed of the amount of your credit line when you receive your card. Some credit lines may be as low as $500. Please note that cash advances may be limited to a portion of your credit line.
  
  
• If you are approved for credit, you will receive a Card Agreement ("Agreement") with your card. Read it carefully for important information regarding your account. The Agreement will be binding on you unless you cancel your account within 30 days after receiving your card and you have not used or authorized use of your account. We may change the Agreement at any time in accordance with applicable law and the terms of the Agreement.
  

1. After receiving your card, you may call our customer service number to transfer your high rate balances.
   
2. You may transfer any amount, but the total amount, including any balance transfer fee, must be less than your available credit line. You should not transfer the amount of any disputed purchase or other charge. If you do you may lose your dispute rights. You may not transfer balances from other accounts issued by Citibank (South Dakota), N.A. or its affiliates. Continue to pay the other credit card issuer until we nofity you in writing that we have approved the balance transfer. When we do, we pay the amount of the balance transfer directly to that issuer.
   
3. Be ready to pay any balance transfer fee. We bill the entire amount of the balance transfer fee as part of your required minimum payment when the balance transfer posts to your account. We also begin to assess finance charges from the date they post to your account.
   
4. Keep your account in good standing. If you do not, we may not approve future balance transfers.
   

See web site for complete terms & conditions