TERMS AND CONDITIONS:

¹ After the introductory period ends, the standard purchase APR will be applied to unpaid promotional balances and new purchases. The standard variable APR for purchases for the Citi Dividend Platinum Select Visa Card is either 13.99%, 20.99%, or 21.99% based on your creditworthiness. The variable Penalty APR for all the cards is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge - $0.50. Fee for Foreign Purchases -- 3% of the U.S. dollar amount of each purchase made outside the U.S. Cash advance fee -- Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee -- Either $10 or 4% of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.

² You will earn 5% cash back on purchases for first 6 months made at supermarkets, drugstores, gas stations, convenience stores, and utilities including cable which are defined as follows. Supermarkets are stand-alone merchants that primarily sell a complete line of food merchandise for home consumption. Drugstores are stand-alone merchants that sell prescription and proprietary drugs and non-prescription medicines. Gas stations are stand-alone merchants that sell vehicle fuel for consumer use. Convenience stores are stand-alone merchants who sell a limited variety of food items. Utilities are defined as electric, gas power, water supply, and refuse services – excluding telephone services. Cable is defined as satellite and other pay television and radio services. Purchases not eligible to receive the 5% cash back include, but are not limited to, purchases made at warehouse clubs, discount stores, and department stores. Online and catalog purchases are not eligible to receive the 5% chase back unless the merchants appropriately identify the transactions. We do not determine whether merchants appropriately identify the transactions, but we do reserve the right to determine which purchases qualify for the 5% cash back.

³ You can earn at least 2% cash back in popular categories that rotate each quarter. Categories change throughout the year and include popular categories like department stores, restaurants, hotels, apparel and more. Once you become a Citi cardmember, you can log into Account Online or call 1-800-231-0891 to enroll each quarter.

⁴ CITI® DIVIDEND PLATINUM SELECT® CARD REWARD PROGRAM INFORMATION

• Your Citi Dividend Card account ("Card Account") will receive a rebate based upon eligible transactions appearing on your current month's billing statement. The only eligible transactions are purchases, cash advances and balance transfers. The rebates will show cumulatively on your statement as "Dividend Dollars", as long as your Card Account is open and current. However, if your Card Account is no longer open or current, you will not be able to earn or redeem Dividend Dollars.
• Unless you are participating in a limited-time promotional offer, you will earn 1% on purchases. You will earn 1% on cash advances and cash convenience check amounts billed at the standard cash advance rate. You will receive five Dividend Dollars for each individual balance transfer transaction of $1,500 or more. Limited promotional offers do not apply to personal banking transactions you make using your card. So you will earn only 1% on these transactions.
• You may accumulate a maximum of 300 Dividend Dollars in any calendar year (eligible transactions appearing on your January - December billing statements) payable in checks of $50 increments only upon your request. Dividend Dollars earned on purchases through the Citi Bonus Cash Center are not subject to the $300 calendar year maximum accumulation.
• Dividend Dollars will not expire as long as you have qualifying purchase activity at least once every 12 months unless the Citi Dividend Card Reward Program is terminated in which case you will have only 30 days to request redemption of your eligible Dividend Dollars. (Cash advances, cash convenience checks, and balance transfer transactions do not count as qualifying purchase activity.) You have no property rights or other legal interest in Dividend Dollars. Dividend Dollars have no cash value until such time as you may request and receive a check for your redemption eligible Dividend Dollars. You may not assign, transfer, or pledge your Dividend Dollars.
• When you become a cardmember, you will receive the full Citi Dividend Card Terms and Conditions which we may change at any time with 30 days prior written notice. In addition, we may terminate the Citi Dividend Card Reward Program with 30 days prior written notice.

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