Citi® Hilton HHonors® Visa® Signature Card

15,000 Hhonors Points with the Very First Purchase Earn Three HHonors Bonus Points for Every Dollar Spent Using the Card at Hilton Family Hotels, Plus Two HHonors Bonus Points for Every Dollar Spent on Other Purchases Complimentary Silver VIP Membership for the First Year Double Dip® and Receive Both Hilton HHonors Points and Airline Miles for the Same Stay at Over 2,500 Hotels and More than 55 Participating Airlines

Review: The Citi® Hilton HHonors® Visa® Signature Card, issued by Citibank, offers cardholders the opportunity to take advantage of the Hilton HHonors® reward program as well as many signature benefits. The reward program is by far the most attractive benefit of the card, and it is ideal for those who frequently stay at Hilton HHonors® hotels. The card rewards cardholders with two points for each dollar spent on general purchases and three points for each dollar spent at Hilton HHonors® hotels (see website for participating hotel chains). There is no yearly limit to the number of points that can be earned, and points do not expire provided that a transaction is made with the card within a year or at least one stay in a Hilton Hotel is made within a year. New applicants receive 15,000 bonus points with the first purchase made with the card as long as their first purchase is made within 60 days from the date that the account was opened. Earned points can be applied to free hotel stays and various travel rewards. Cardholders also receive Hilton HHonors® Silver VIP status for the first year of membership with no additional charge. Since there are a variety of benefits offered with this card, we suggest visiting their website at www.hiltonhhonors.com. The card has no pre-set spending limit, no annual fee, and a low introductory rate for purchases and balance transfers. The interest rate for purchases and balance transfers after the introductory rate expires is above average for a reward card, and it is not ideal for those who plan to carry a balance. There is also a minimum cap of 19.99% 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. The card does provide many signature benefits provided by Citibank that include up to $1,000,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services. Therefore, those who frequently stay at Hilton HHonors® hotels, plan to pay in full each month (to avoid finance charges), and will take advantage of the many signature benefits will find the Citi® Hilton HHonors® Visa® Signature Card to be very beneficial.

Date of Review: 2006-04-07 00:00:00

Notes: The minimum APR for cash advances is 19.99%. The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources. See website for complete terms and conditions of card usage and application disclosure.

Additional Perks: Various Internet account related services. Identity theft solutions. Fraud and security protection services. Complimentary Hilton HHonors Silver VIP status for the first year of membership. Automatic bill payments. Up to $1,000,000 in travel accident insurance. Auto rental insurance. Emergency cash replacement. Emergency card replacement. Lost luggage assistance. Medical referral services. Legal referral services. Lost and stolen card reporting. Various travel and emergency assistance services. Year-end financial statement (upon request). No liability for unauthorized transactions. See website for additional benefits.