0% APR on Purchases AND Balance Transfers for 12 months* Quarterly and annual account summaries at no additional cost. Additional cards for employees with credit limits you set. Prescription Discount Benefit Program for cardmembers and their dependents Manage your account online Manage payments, view statements, track activity, request a credit line increase and add employees.

TERMS AND CONDITIONS *Introductory APR of 0.0% for 12 months from date of cardmembership on balance transfers and purchases. After the promotional period ends, the standard variable purchase APR will be applied to any unpaid purchase and balance transfer amounts. The standard variable APR for purchases is 6.24% and the APR for cash advances is a variable rate of 19.99%. However, all your APRs may automatically increase to a 28.99% variable default rate if you default under any Card Agreement that you have with us. Minimum finance charge $0.50. The transaction fee for balance transfers is 3.0% of the amount of each balance transfer, $5 minimum. However, there is no fee with the 0% APR balance transfer offer described above. Cash advance transaction fee: 3.00% of the amount of each cash advance, minimum $5.00. Fee for Foreign Purchases- 3% of the U.S. dollar amount of each purchase made outside the U.S., whether made in U.S. dollars or in a foreign currency. Annual fee: none. MasterRental Insurance coverage (on most vehicles with an MSRP of $50,000 or less) is underwritten by Virginia Surety Company, Inc. Visa Auto Rental Insurance coverage is underwritten by Indemnity Insurance Company of North America. For both benefits, certain conditions, restrictions and exclusions apply. Not all vehicles and countries are covered. You must decline the car rental company's collision loss/damage insurance (CDW). Details of coverage will be provided upon cardmembership Automatic Travel Accident Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. Certain conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership MasterCard’s Purchase Assurancecoverage (Coverage is limited to $10,000 per incident and $50,000 per cardmember account per year) is secondary coverage and is underwritten by Virginia Surety Company, Inc. Visa’s Purchase Security coverage (Coverage is limited to $10,000 per claim and $50,000 per cardmember) is excess coverage and is underwritten by Indemnity Insurance Company of North America. For both benefits, certain conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership. © 2007 Citibank (South Dakota), N.A. Citi, Citibank, CitiBusiness, Citi with Arc Design are registered service marks of Citigroup Inc. MasterCardis a registered trademark of MasterCard International Incorporated. Visais a registered trademark of Visa International Service Association.