Citi® Professional(SM) Card with ThankYou(SM) Network 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® 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. 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. 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. 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. 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 Note: The review of this Citibank card was updated on 05/30/2008 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 12 Months
Applied Towards:	Purchases
Details:	The introductory rate is available on purchases submitted during the first twelve months.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	10.99%
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:	$35
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
Points Per Dollar:	1 Point
Additional Points:	3 points are earned for purchases made at restaurants, gas stations, certain office supply merchants, and on auto rentals.
	Points are redeemable for air travel, statement credits, gift certificates, and merchandise, or cardholders can create a personalized reward.
Miles Compatible with Frequent Flyer Program:	No
Expiration:	3 Years
Yearly Limit:	100,000 Points
First Purchase Bonus:	See Bonus Details**
	**After $250 in purchases, cardholders will earn 10,000 ThankYou(R) points, redeemable for a $100 gift card.

Additional Highlights of Interest

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 See website for complete terms and conditions of card usage and application disclosure.