CITI PremierPass Card Elite Level (Personal Credit Card)

CITI PremierPass Card Elite Level (Personal Card)

*15,000 bonus points after first purchase, within 2 months of account opening.

*Get a complimentary companion ticket every time you buy a qualifying ticket.

*Earn 1 point for every mile flown with any airline on tickets you buy for anyone.††

*Earn 2 points for every dollar you spend at gas stations, supermarkets, and drugstores, plus earn 1 point for every other dollar you spend on all other purchases.††

*Redeem points for: flights on any airline with no blackout dates; discounts on hotel stays, retail gift cards, and more through ThankYou Network rewards program.

0% APR on Balance Transfers for 12 months.††
- The 0% APR does not apply to purchases and cash advances.
- The 0% APR may increase if you default under any cardmember agreement you have


with us because you pay us late or have a returned check.
-Your payments will be applied to low APR balances before higher ones.








1 You will receive 6,000 bonus points after your first purchase with your Diamond Preferred Rewards Card as long as you use it within 3 months of account opening. Once these points postto your account, you can redeem for your choice of a $50 gift card good at leading nationalmerchants. See program details for complete merchant listings.


2 The Citibank Price Protection Program is underwritten by Triton Insurance Company. Certainconditions, limitation and exclusions apply. Details of coverage will be provided once youbecome a cardmember.




3 You will receive 10,000 bonus points after your first purchase with your CitiBusiness Cardwith ThankYou® Network. Points will appear as a bonus on your Card account within 1-2billing cycles after your first purchase with the card.




4 Airline participation in the complimentary companion travel program varies from market tomarket and is based on airline controls and availability. Passenger is responsible for all fees,taxes and charges incurred with the travel and must make reservations through SpiritIncentives. Details will be provided upon cardmembership.

5 You will receive 10,000 bonus points after your first purchase with your Citi ProfessionalCard with ThankYou® Network. Points will appear as a bonus on your Card account within 1-2 billing cycles after your first purchase with the card.




Please read these Terms and Conditions.
Please note that the Terms and Conditions for the Citi PremierPass® Card - Elite Level account, including the Initial Disclosure Statement, will be provided to you electronically.

Before you receive an account number, if approved for credit, you will be asked to confirm that you agree to receive your Initial Disclosure Statement electronically and that you have the software and equipment necessary to view and retain a copy of the Initial Disclosure Statement.


CITI DISCLOSURES


Annual Percentage Rate (APR) for purchases


13.74% variable


Other APRs


Balance transfer APR: As long as balance transfers are completed within 12 months from date of account opening, 0.00% for 12 months from date of first balance transfer . After that same as for purchases . Cash advance APR: 22.74% variable. Default APR: 31.74% variable. See explanation below.*


Variable rate information




Your APRs may vary each billing period. **
*The purchase and balance transfer APR equals the Prime Rate plus 5.99%.


*The cash advance APR equals the Prime Rate plus 14.99% (never lower than 19.99%).


*The default APR equals the greater of (1) the Prime Rate plus up to 23.99% or (2) up to


28.99%.


Grace period for repayment of the balance for purchases


At least 20 days if you pay the total balance in full by the due date every billing period. If you do not, you will not get a grace period.


Method of computing the balance for purchases


Average daily balance. This includes new purchases.

Minimum finance charge


50 cents.


Annual fees


$75.00


Fee for purchases made in a foreign currency


3% of each purchase after it is converted into US dollars.


Other fees

Balance transfer fee: 3% of each balance transfer; $5 minimum.


There is no fee with the 0.00% APR balance transfer offer described above.

Cash advance fee: 3% of each cash advance; $5 minimum.

Late fee:
• $15 on balances up to $100


• $29 on balances of $100 up to $250


• $39 on balances of $250 and over




*How can your actions trigger the default APR? If you default under any card agreement you have with us because you
• do not make the minimum payment when due, or
• make a payment to us that is not honored,
all your APRs may automatically increase to the default APR. We set your default APR by reviewing (1) the seriousness of your default with us and (2) your credit history.

**How do we calculate variable rates? For each billing period we use the Prime Rate published in The Wall Street Journal two business days before the Statement/Closing Date.

How do we apply your payments? We apply your payments to low APR balances first. You cannot pay off higher APR balances until you pay off lower APR balances. That means your savings from any promotional APR offer will be reduced if you make purchases or cash advances that have higher APRs.

When can we change the rates, fees, and terms of your card agreement? We will not voluntarily increase your rates and fees or change other terms of your card agreement until your card expires, typically in two years. At that time, we will review your credit history and general market conditions. If we decide to make changes after our review, you will receive advance notice and a right to opt out. If you opt out, we will close your account. You can then pay the remaining balance under the old rates, fees, and terms. Of course this paragraph does not apply to the automatic default APR and Prime Rate changes. It also does not apply to changes required by law, our regulators, or our network providers

TERMS AND CONDITIONS OF OFFER
•
This offer is only valid for new accounts. You must be at least 18 years of age. If you are married, you may apply for a separate account. Citibank (South Dakota), N.A. ("we" or "us") is the issuer of your account.
•
Federal law requires us to obtain, verify, and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. To process the application, we must have your name, street address, date of birth, and other identifying information, and we may ask for identifying documents from you as well.
•
Please allow four weeks from date of submission to process a completed application.
•
We may gather information about you, including from your employer, your bank, credit bureaus, and others, to verify your identity and determine your eligibility for credit, renewal of credit, and future extensions of credit. If you ask us, we will tell you whether or not we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports.
•
To receive a Citi PremierPass® Card - Elite Level, you must meet our applicable criteria bearing on creditworthiness. Your credit limit will be determined by your yearly income and a review of your credit report. You will be informed of the amount of your credit line when you receive your card. Some credit lines may be as low as $2000. Please note that cash advances may be limited to a portion of your credit line.
•
If you are approved for credit, you will receive a cardmember agreement ("Card Agreement") with your card. Read it carefully for important information regarding your account. The Card Agreement will be binding on you unless you cancel your account within 30 days after receiving your card and you have not used or authorized use of your account.