Citi® Professional Card

No Fee Rewards Program 0% APR on Balance Transfers for Nine Months from the Date of the First Transfer Earn Three ThankYou Points for Every Dollar Spent at Gas Stations, Restaurants, Car Rentals, and Office Supply Stores A Unique Online Expense Reporting Tool to Customize Reports for Billing or Reimbursement

Review: The Citi® Professional Card, issued by Citibank, is designed for those with average credit who are looking to maintain and manage all of their personal and business expenses with one credit card. The card offers access to a free rewards program. Through the reward program, the cardholder receives one point for every dollar spent on general purchases and three points for every dollar spent at restaurants, gas stations, certain office supply merchants, and on auto rentals. Points can be redeemed for a variety of merchandise, air travel, and gift certificates. There is a yearly limit of 100,000 points, and points expire in three years. The card has no annual fee, an attractive 0% introductory rate on balance transfers for nine months, and a reasonable interest rate for purchases. However, there is a minimum cap for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap. Aside from the reward program, cardholders can expect access to a variety of platinum benefits that include up to $1,000,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services. The card also offers cardholders the benefit of the Citi® Professional Card's online expense reporting tool, which allows cardholders to categorize card activity and generate as many individual, easy-to-read expense reports as they choose. Therefore, individuals who will take advantage of the rewards program and the additional benefits (especially the online expense reporting tool) will benefit most from what the Citi® Professional Card has to offer.

Date of Review: 2006-04-05 00:00:00

Notes: The minimum APR for cash advances is 19.99%. See website for complete terms and conditions of card usage and application disclosure.

Additional Perks: Various Internet account related services. No liability for unauthorized transactions. Quarterly and year-end financial statements. Identity theft solutions. Fraud and security protection services. Lost and stolen card reporting. Emergency card replacement. Emergency cash replacement. Automatic bill payment. Up to $1,000,000 in travel accident insurance. Auto rental insurance. Medical referral services. Legal referral services. Lost luggage assistance. Various travel and emergency assistance services. Access to online expense reporting tool. See website for additional cardholder benefits.