Citi Upromise 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® Upromise® Card, issued by Citibank, is designed for those with good credit who plan to take advantage of the college savings reward program. Upon enrollment in the Citi® Upromise® reward program, cardholders earn a 10% savings on select purchases of over 7,000 grocery and drugstore items, a 2% savings on gas purchases at Exxon and Mobil locations, and a 1% savings on all other purchases. Accrued rebates are invested in a tax-advantaged college savings plan, which is managed by top investment firms. The maximum rebate amount that can be accumulated per year from the 1% college savings is $300. Savings earned from the 10% college savings on grocery and drugstore items and the 2% college savings on gas purchases are unlimited. Upromise® is a free service that helps cardholders save for college through their everyday purchases. Many reputable companies participating in the Upromise network give cardholders back a portion of their eligible spending as college contributions that they can invest in a tax-advantaged college savings plan. By shopping at these participating companies and using the Citi® Upromise® Card, the cardholder will get the maximum benefit towards college savings. The card has a reasonable interest rate for purchases and balance transfers as compared to other reward cards. In addition, the card has no annual fee, and it offers an attractive 0% long-term introductory rate that can be applied toward balance transfers. It is important to note, however, that there is 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. Cardholders can expect common platinum benefits that include up to $1,000,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services. This card also offers discounts on various products and services for students at participating merchants and retailers. Therefore, those who plan to take advantage of the introductory offer, would like to participate in a college savings reward program, and will take advantage of the many perks and discounts will benefit most from what the Citi® Upromise® Card has to offer. Most Attractive Feature: Long term 0% introductory rate; college savings reward program; no annual fee. Least Attractive Feature: Minimum APR cap for cash advances. Apply Now For Citi Upromise Card Note: The review of this Citibank card was updated on 05/05/2008 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:	Balance Transfers
Details:	The introductory rate is available on balance transfers submitted during the first twelve months.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum) / $500 (Minimum)
Purchases APR:	10.99%
Cash Advance APR:	10.99% 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:	$39
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:	Yes
Optional Reward Annual Fee:	$0
Rebate Minimum:	1%
Rebate Maximum:	10%
Additional Rebates:	Earn a 10% savings on select purchases of over 7,000 grocery and drugstore items; earn a 2% savings on gas purchases at Exxon and Mobil locations; and earn a 1% savings on all other purchases.
	Cardholders must enroll in the Citi® Upromise® Reward program to accrue savings, which are invested in a tax-advantaged college savings plan.
Yearly Limit:	$300 in savings from the 1% college savings; savings earned from the 10% college savings on grocery and drugstore items and the 2% college savings on gas purchases are unlimited.

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. Identity theft solutions. Fraud and security protection services. Automatic bill payments. Year-end financial statement (upon request). No liability for unauthorized transactions. Optional personal photo on card. Up to $1,000,000 in travel accident insurance. Auto rental insurance. Various travel and emergency assistance services. Medical referral services. Legal referral services. Lost luggage assistance. Emergency cash replacement. Emergency card replacement. Lost and stolen card reporting. Discounts on auto rentals. Discounts for students on products and services at participating merchants and retailers. See website for additional benefits. Important Notes Regarding This Offer See website for complete terms and conditions of card usage and application disclosure.