Citi® mtvU™ Platinum Select® Visa® Card for College Students 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. Highlight: Earn VIP Passes and More! The mtvU Platinum Select Visa from Citi Bank is the perfect fit for College Students! Members earn valuable points that can be redeemed for VIP Passes to mtvU Spring Break events, tickets to the MTV Video Music Awards, gift cards, CD's, and more! The Citi® mtvU™ Platinum Select® Visa® Card for College Students, issued by Citibank, is a credit card designed specifically for students and offers a unique reward program that awards students for using credit wisely and for receiving good grades. Through the rewards program, cardholders earn one point for general purchases and five points for every dollar spent at restaurants, bookstores, record stores, movie theaters, and video rentals. The program also awards 25 points when payments are made on time and spending does not surpass the credit limit. Twice per year, anywhere between 250 and 2,000 points may be awarded dependent on the student's GPA (beginning at 2.5). These points can be redeemed for gift cards, CDs, a VIP mtvU Spring Break Pass, tickets to the MTV Video Music Awards, and airline tickets. There is a 75,000 yearly limit to the number of points that may be earned, and points expire in five years. This card has no annual fee, but the variable interest rate for purchases and balance transfers is above average for a student card. However, there is a 0% APR on purchases for 6 months, if you qualify, based on your application and credit history (a rare benefit for a student credit card). It is important to understand that 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. The card provides platinum cardholder benefits that include auto rental insurance and various travel and emergency assistance services. Cardholders also receive a 10% discount on purchases made at the MTV online store and at the MTV New York City Store. Therefore, students who can afford to pay in full each month after the introductory rate expires (to avoid finance charges) and plan to take advantage of the reward program will benefit most from what the Citi® mtvU™ Platinum Select® Visa® Card for College Students has to offer. Most Attractive Feature: Introductory rate; student-related discounts; no annual fee; additional points earned for maintaining good grades and paying in a timely manner. Least Attractive Feature: Minimum APR for cash advances. Apply Now For Citi® mtvU™ Platinum Select® Visa® Card for College Students Note: The review of this Citibank card was updated on 11/23/2009 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 6 months if you qualify
Applied Towards:	Purchases
Details:	The introductory rate will be 0% APR on Purchases for 6 months, if you qualify, based on your application and credit history.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum) / $500 (Minimum)
Purchases APR:	As low as 17.24%V
Cash Advance APR:	21.99%V 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% of each cash advance; $5 minimum
Balance Transfers:	3% of each balance transfer; $5 minimum

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	1 Point
Additional Points:	Earn 5 points per dollar for purchases made at restaurants, bookstores, record stores, movie theaters, and video rentals; earn 1 point per dollar for all other purchases; earn 25 points when payments are paid on time and spending is not over the credit limit; and earn up to 2,000 points twice a year dependent on the cardholder's GPA (beginning at 2.5).
	Points can be redeemed for gift cards, merchandise, travel, VIP passes to mtvU's Spring Break, and tickets to the MTV Video Music Awards.
Expiration:	5 Years
Yearly Limit:	75,000 Points

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. Identity theft solutions. Automatic bill payments. Lost and stolen card reporting. Emergency cash replacement. Emergency card replacement. No liability for unauthorized purchases. Fraud and security protection services. Year-end financial statement (upon request). Auto rental insurance. Various travel and emergency assistance services. Medical referral services. Legal referral services. Lost luggage assistance. Discounts on auto rentals. 10% discount on purchases made at the MTV online store and the MTV New York City Store. Access to credit education tips and tools. See website for additional benefits. Important Notes Regarding This Offer No minimum income or co-signer required to activate an account. The minimum variable APR for cash advances is 21.99%. See website for complete terms and conditions of card usage and application disclosure.