Citi Consumer Credit Cards

Citi® Platinum Select® Card

0% APR* on balance transfers and purchases for up to 12 months No annual fee Citi® Identity Theft Solutions $0 Liability on unauthorized purchases Secure, free online account management CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* Up to 12 Months* As low as Prime + 3.49%* None* Yes* Good Credit*

Citi® Platinum Select® MasterCard®

0% APR on purchases for 6 months The Citi Platinum Select MasterCard can help you establish your credit history No Annual fee Reports to all major credit bureaus to help you establish your credit history $0 liability on unauthorized purchases Citi identity theft solutions Free online account management CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Purchases* Up to 6 Months* Prime + 5.99%* None* N/A* No Credit*

Citi® Diamond Preferred® Rewards Card

0% APR* on balance transfers for up to 12 months $50 Gift Card - Earn 6,000 bonus points after $100 in purchases made within 3 months of account opening* 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months; 1 point for every $1 on all other purchases* No annual fee and FREE rewards program Citi® Identity Theft Solutions Price Protection Program $0 Liability on unauthorized purchases CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Balance Transfers* Up to 12 Months* As low as Prime + 5.49%* None* Yes* Good Credit*

Citi® Diamond Preferred® Card

0% APR* on balance transfers and purchases for up to 12 months Citi® Identity Theft Solutions $0 Liability on unauthorized purchases Secure, free online account management 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%* Up to 12 Months* As low as Prime + 3.49%* None* Yes* Good Credit*

Citi® Dividend Platinum Select® Card

Earn 5% cash back at gas stations, supermarkets and drug stores, convenience stores, and utilities including cable for 6 months and 2% thereafter. Earn 1% cash back on all other purchases 0% APR* on Balance Transfers for up to 12 months 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% on Balance Transfers* Up to 12 Months* As low as Prime + 5.99%* None* Yes* Excellent Credit*

Citi CashReturns(SM) Card

Earn a full 1% cash back on every purchase Get a 20% bonus on the cash back earned on all purchases for the first 12 months Checks will be sent automatically every time you earn $50 - no calling necessary 0% APR* on balance transfers for up to 12 months 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% on balance transfers* Up to 12 Months* As low as Prime + 4.99%* None* Yes* Good Credit*

AT&T Universal Savings & Rewards Card

Up to 10% savings for the first 12 months on AT&T purchases 1 ThankYou Point for every dollar you spend on non-AT&T purchases 0% APR* on Balance Transfers for up to 12 months No Annual Fee Plus AT&T calling benefits: Up to 30 free phone minutes each month; 2 free directory assistance inquiries per month and other wireless benefits CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Balance Transfers* Up to 12 Months * As low as Prime + 4.99* None* Yes* Good Credit*

AT&T Universal Savings Platinum Card

Up to 10% savings for the first 12 months on AT&T purchases 0% APR* on Balance Transfers for up to 12 months No Annual Fee Plus AT&T calling benefits: Up to 30 free phone minutes each month; 2 free directory assistance inquiries per month and other wireless benefits CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Balance Transfers* Up to 12 Months * As low as Prime + 3.99%* None* Yes* Good Credit*

Citi® PremierPass(SM) Card

10,000 bonus points after $300 in purchases made within 3 months of account opening No annual fee 0% APR on Balance Transfer for up to 12 months Earn 1 Flight Point for every 3 miles you fly on any airline-- or anyone else whose ticket you buy with the card. Earn 1 Purchase Point for all purchases Purchase APR as low as 10.24% ThankYou Network® CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Balance Transfers* 12 Months* As low as Prime + 4.99%* None* Yes* Good Credit*

Citi® Home Rebate Platinum Select® MasterCard®

Receive 6% rebate on Utilities, Cable/Satellite TV, Internet Connection and Telecommunication for 12 months Receive 1% on all other purchases Rebate automatically applied to your mortgage principal NO CAP or limits on the amount of rebates you can accumulate in a year 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% on Balance Transfers* 12 Months* Prime + 4.99%* None* Yes* Good Credit*

Citi® Upromise® Platinum Select® MasterCard®

1% college savings on purchases, everywhere you shop!* 2% college savings on eligible gas purchases at Exxon & Mobil locations* Plus 10% college savings on thousands of participating grocery and drug store items* 0% APR on balance transfers for 12 months+ Balance transfer fee applies with this offer* No annual fee If you have good credit, apply today CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Balance Transfers* 12 Months* Prime + 5.99%* None* Yes* Good Credit*

Citi® Platinum Select® / AAdvantage® World MasterCard®

25,000 AAdvantage bonus miles after you make $750 in purchases within 4 months * Earn 1 AAdvantage® mile for every $1 you spend on eligible purchases* No blackout dates for AAdvantage award travel on select carriers* Redeem AAdvantage miles with over 25 of the world's top airlines, major car rental companies and hundreds of luxurious hotels worldwide* AAdvantage® miles may never expire* Reduced Mileage Awards* No pre-set spending limit* 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* Prime + 9.99%* 1st year free; then $85* Yes* Good Credit*

Citi® Gold® / AAdvantage World MasterCard®

15,000 AAdvantage bonus miles after you make $750 in purchases within 4 months* NO ANNUAL FEE for 12 months!* Earn 1 American Airlines AAdvantage mile for every $1 you spend on eligible purchases - up to 60,000 miles per year* No blackout dates for AAdvantage award travel on American Airlines, American Eagle & AmericanConnection® carriers* AAdvantage miles may never expire* Redeem AAdvantage miles with over 25 of the world‘s top airlines, major car rental companies and hundreds of luxurious hotels worldwide Reduced Mileage Awards - 5,000 fewer AAdvantage miles to select destinations No pre-set spending limit* 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* Prime + 9.99%* 1st year free; then $50* Yes* Good Credit*

Citi® Bronze® / AAdvantage® World MasterCard®

Receive 5,000 Bonus Miles after your first purchase with the card* Earn 1 AAdvantage® mile for every $2 you spend on eligible purchases* No blackout dates* AAdvantage® 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* Prime + 9.99%* None* Yes* Good Credit*

Citi® Hilton HHonors® Visa® Signature Card

Earn 15,000 Hilton HHonors bonus points* Earn 6 Hilton HHonors bonus points for each $1 spent at participating Hilton Family hotels. Earn 3 Hilton HHonors bonus points for each $1 spent at supermarkets, drugstores and gas stations. Earn 2 Hilton HHonors bonus points for each $1 spent on all other purchases. 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. CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 2.99%* 6 Months* Prime + 9.99% / 11.99%* None* Yes* Good Credit*

Citi® mtvU™ Platinum Select® Visa® Card for College Students

0% APR* for 6 months on purchases, cash advances and balance transfers Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores Earn 1 ThankYou Point for every dollar you spend on all other purchases Earn 25 ThankYou Points for paying on time Earn 250-2000 ThankYou Points twice a year for maintaining a good GPA Redeem points for gift cards, MTV events, and airline tickets No balance transfer fee with this offer 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%* 6 Months* Prime + 7.99%* None* Yes* Good Credit*

Citi® Driver's Edge® Card for College Students

0% APR* for 6 months on purchases, cash advances, and balance transfers Earn rebates towards any car, new or used*. Build your credit history Free online account management $0 liability on unauthorized 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 0%* 6 Months* Prime + 9.99%* None* Yes* Good Credit*

Citi® Platinum Select® Card for College Students

0% APR* for 6 months on purchases, cash advances, and balance transfers* No annual fee Acceptance at millions of locations No minimum income or cosigner required $0 liability on unauthorized purchases No balance transfer fee with this offer* CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* Prime + 5.99%* None* Yes* Good Credit*

Citi Dividend Platinum Select Card for College Students

No Cosigner or Minimum Income Required Free Online Account Management Citi® Identity Theft Solutions Citi® Photocard option* The Lost Wallet® Service* Credit Education Tools CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* Prime + 7.99%* None* Yes* Good Credit*

Citi® Bronze® / AAdvantage® MasterCard® for College Students

No annual fee for your card and free membership in American Airlines AAdvantage® program* Earn 1 AAdvantage® mile for every $2 you spend - up to 25,000 miles per year* No blackout dates on AAdvantage® award travel* AAdvantage® miles may never expire* $0 liability on unauthorized charges Access to credit education tips and tools No minimum income or co-signer required Special Student Deals CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Balance Transfers* 6 Months* Prime + 9.99%* None* Yes* 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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