Citi® Home Rebate Platinum Select® MasterCard® 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® Home Rebate Platinum Select® MasterCard®, issued by Citibank, is designed for those with very good credit who plan to take advantage of the rebates, which help cardholders pay for their personal mortgages. Through the reward program, cardholders earn a full 6% rebate on Utilities, Cable/Satellite TV, Internet Connection and Telecommunications for the first twelve months of membership, and 1% per dollar spent after the introductory period and on all other purchases. The rebate is earned in the form of "Home Mortgage Rebates" that will be applied against the outstanding mortgage principal. There is no limit to the amount of rebates that may be earned, and rebates do not expire. The APR for purchases and balance transfers is reasonably low, there is no annual fee, and there is a 0% introductory rate available for balance transfers for twelve months. However, it is important to note that there is a minimum cap of 20.99% 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. As with most Citibank credit cards, cardholders can expect access to a variety of platinum benefits that include up to $1,000,000 in travel accident insurance and fraud protection services. Therefore, those who will take advantage of the introductory offer, would like the option to carry a balance, and will be able to take advantage of the mortgage rebates will benefit most from what the Citi® Home Rebate Platinum Select® MasterCard® has to offer. Most Attractive Feature: No annual fee; no yearly limit or expiration on rebates; 6% rebate on select purchases for twelve months. Least Attractive Feature: Minimum APR cap for cash advances. Apply Now For Citi® Home Rebate Platinum Select® MasterCard® 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:	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:	9.99%
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:	$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:	No
Rebate Minimum:	1%
Rebate Maximum:	6%
Additional Rebates:	Earn a full 6% rebate on Utilities, Cable/Satellite TV, Internet Connection and Telecommunications for 12 months. Earn a 1% rebate per dollar spent after the introductory period and on all other purchases.
	Rebates will automatically be sent to the cardholder's mortgage company within two billing cycles after the end of the rebate anniversary month, as listed on the cardholder's monthly billing statement.

Additional Highlights of Interest

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