Citi® Platinum Select® Visa®

0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.* Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more Citi® Identity Theft Solutions No annual fee* CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 18 months on balance transfers and 18 months on purchases* 11.99%-21.99% (Variable)* None* Yes* Excellent Credit*

Citi® Diamond Preferred® Card

0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.* 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass® $0 liability on unauthorized purchases and Citi® Identity Theft Solutions No annual fee* CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 18 months on balance transfers and 18 months on purchases* 11.99%-21.99% (Variable)* None* Yes* Excellent Credit*

Citi® Dividend Platinum Select® Visa® Card

$100 cash back after $500 in purchases within the first 3 months of account opening 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness* Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll. Each quarter, you can enroll to earn additional cash back in popular categories. Full 1% cash back on all other purchases and eligible cash advances. No annual fee* CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 months on balance transfers and purchases* 12.99-22.99% (Variable)* None* Yes* Excellent Credit*

Citi® Simplicity Card

0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. Peace of mind through direct access to a service representative, no late fees and no penalty rate No annual fee* CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 18 months on balance transfers and purchases* 12.99 - 21.99% (Variable)* None* Yes* Excellent Credit*

Citi Forward® Card

$100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases APR reduction on purchases when using credit wisely No Annual Fee* CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 months on balance transfers and 7 months on purchases* 12.99%-22.99% (Variable)* None* Yes* Excellent Credit*

Citi ThankYou(SM) Preferred Card - $150 in Gift Cards

$150 gift card - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening. 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter** No expiration and no limit on the points you can earn Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more No annual Fee* CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 12.99-22.99% (Variable)* None* Yes* Excellent Credit*

Citi ThankYou(SM) Preferred Rewards Card - $250 in Gift Cards

$250 in gift cards - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 4 months of account opening Earn 1 point for every $1 you spend on all purchases Receive an anniversary bonus every year you're a cardmember No expiration and no limit on the points you can earn Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more No annual fee* CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 12.99%-22.99% (Variable)* None* N/A* Excellent Credit*

Citi® Hilton HHonors® Visa Signature® Card

Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening* Earn 6 Hilton HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton Worldwide portfolio* Earn 3 Hilton HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations* Earn 2 Hilton HHonors Bonus Points for each $1 spent on all other purchases* No annual fee.* CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 14.24% or 16.24% (Variable)* None* N/A* Excellent Credit*

Citi® Platinum Select® / AAdvantage® Visa Signature® Card

Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases within the first 3 months of cardmembership* Your first eligible checked bag is free* Priority Boarding* and 25% savings on eligible in-flight purchases* Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal* Double AAdvantage® miles on eligible American Airlines purchases* Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year* No mileage cap* and your miles may never expire* CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 15.24% (Variable)* $95, waived for the first 12 months* N/A* Excellent Credit*

Citi® Dividend Platinum Select® Card for College Students

No cosigner required Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores and utilities (including cable) for 6 months; 1% thereafter Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required* Earn a full 1% cash back on all other purchases* CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 7 months on purchases* 13.99%-21.99% (Variable)* None* Yes* Excellent - Good Credit*

Citi Forward® Card for College Students

No cosigner required APR reduction on purchases when using credit wisely 100 ThankYou Points® each billing period that you pay on time and stay under your credit line Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening. CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 0% Intro APR for 7 months on purchases* 13.99%-22.99% (Variable)* None* Yes* Excellent - Good Credit*

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Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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