Citi® Hilton HHonors® Visa® Signature Card 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® Hilton HHonors® Visa® Signature Card, issued by Citibank, offers cardholders the opportunity to take advantage of the Hilton HHonors® reward program as well as many signature benefits. The reward program is by far the most attractive benefit of the card, and it is ideal for those who frequently stay at Hilton HHonors® hotels. The card rewards cardholders with six Hilton HHonors bonus points for each $1 spent at participating Hilton Family hotels - Hilton®, Conrad®, Doubletree®, Embassy Suites Hotels®, Hampton Inn®, Hampton Inn & Suites®, Hilton Garden Inn®, Hilton Grand Vacations Club®, Homewood Suites by Hilton® and The Waldorf=Astoria Collection™ hotels worldwide; three Hilton HHonors bonus points for each $1 spent on purchases at supermarkets, drugstores and gas stations, and earn two Hilton HHonors bonus points for each $1 spent on all other purchases (see website for participating hotel chains). There is no yearly limit to the number of points that can be earned, and points do not expire provided that a transaction is made with the card within a year or at least one stay in a Hilton Hotel is made within a year. New applicants receive 15,000 bonus points with the first purchase made with the card as long as their first purchase is made within 60 days from the date that the account was opened. Earned points can be applied to free hotel stays and various travel rewards. Cardholders also receive Hilton HHonors® Silver VIP status for the first year of membership with no additional charge. Since there are a variety of benefits offered with this card, we suggest visiting their website at www.hiltonhhonors.com. The card has no pre-set spending limit, no annual fee, and a low introductory rate for purchases and balance transfers. The interest rate for purchases and balance transfers after the introductory rate expires is above average for a reward card, and it is not ideal for those who plan to carry a balance. There is also a minimum cap of 19.99% 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 does provide many signature benefits provided by Citibank that include up to $1,000,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services. Therefore, those who frequently stay at Hilton HHonors® hotels, plan to pay in full each month (to avoid finance charges), and will take advantage of the many signature benefits will find the Citi® Hilton HHonors® Visa® Signature Card to be very beneficial. **Cardholders who don\'t qualify for the Citi® Hilton HHonors® Visa® Signature Card will be considered for a Citi® Hilton HHonors® Gold Card. Most Attractive Feature: Two points for general purchases; additional hotel benefits and services for cardholders; no annual fee; bonus points; common signature cardholder benefits; no pre-set spending limit. Least Attractive Feature: Best rewards require a large amount of points to be redeemed. Apply Now For Citi® Hilton HHonors® Visa® Signature Card Note: The review of this Citibank card was updated on 06/26/2008 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:	2.99% APR for 6 Months
Applied Towards:	Purchases, Balance Transfers
Details:	The introductory rate is available on balance transfers submitted during the first six months.
Miscellaneous Rates and Terms
Credit Limits:	See Important Notations (Maximum) / See Important Notations (Minimum)
Purchases APR:	14.99% / 16.99%
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:	None
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:	2 Points
Additional Points:	Cardholders can earn 6 Hilton HHonors bonus points for each $1 spent at participating Hilton Family hotels - Hilton®, Conrad®, Doubletree®, Embassy Suites Hotels®, Hampton Inn®, Hampton Inn & Suites®, Hilton Garden Inn®, Hilton Grand Vacations Club®, Homewood Suites by Hilton® and The Waldorf=Astoria Collection™ hotels worldwide; 3 Hilton HHonors bonus points for each $1 spent on purchases at supermarkets, drugstores and gas stations, and earn 2 Hilton HHonors bonus points for each $1 spent on all other purchases.
	Points are redeemable for free nights at more than 2,800 Hilton Family hotels worldwide or for vacation packages, car rentals and miles at participating airline partners.
Expiration:	1 Year (Points do not expire as long as the cardholder stays with Hilton or uses the card within a 12-month period.)
First Purchase Bonus:	15,000 Points**
	**Earn 15,000 Hilton HHonors bonus points - enough for two free nights at participating Hilton Family hotels. Just make a purchase on the card within 60 days of account opening.

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. Identity theft solutions. Fraud and security protection services. Complimentary Hilton HHonors Silver VIP status for the first year of membership. Automatic bill payments. Up to $1,000,000 in travel accident insurance. Auto rental insurance. Emergency cash replacement. Emergency card replacement. Lost luggage assistance. Medical referral services. Legal referral services. Lost and stolen card reporting. Various travel and emergency assistance services. Year-end financial statement (upon request). No liability for unauthorized transactions. See website for additional benefits. Important Notes Regarding This Offer The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources. The APR for purchases and balance transfers varies according to the applicant\'s credit history and will be 9.99% or 11.99% + Prime Rate. Your application will be considered for a Citi® Hilton HHonors® Gold Card if you don\'t qualify for the Citi® Hilton HHonors® Visa® Signature Card. See website for complete terms and conditions of card usage and application disclosure.