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® Diamond Preferred® Rewards Card

0% APR* on balance transfers for up to 12 months 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 10.24%* 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 + 3.74%* None* Yes* Good Credit*

Citi CashReturns(SM) Card

Earn up to 6% Cash Back on purchases; a full 1% cash back on every purchase PLUS an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center. Earn 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 9.74%* 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

Earn 10,000 Bonus ThankYou® Points after $300 in purchases--enough for a $100 gift card* Earn 1 point for every dollar spent on all purchases* Earn 1 point for every 3 miles you fly on any airline* Earn 1 point for every 3 miles friends and family fly on tickets purchased with your card* Redeem points for cruises, hotels, car rentals, gift cards and more with ThankYou Network, a free rewards program brought to you by Citi* 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 + 6.99%* 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®

Earn 15,000 American Airlines AAdvantage® bonus miles after you make $750 in purchases within 4 months of becoming a cardmember Earn 1 AAdvantage® mile for every $1 you spend on eligible purchases - up to 60,000 miles per year Redeem AAdvantage® miles with over 25 of the world’s top airlines, major car rental companies and hundreds of luxurious hotels worldwide 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® Hilton HHonors® Visa® Signature Card

Earn 15,000 Hilton HHonors bonus points - enough for TWO FREE NIGHTS at participating Hilton Family Hotels. Just make $150 in purchases within 2 months of your account opening.* 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% on purchases* 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 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 + 8.99%* 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 minimum income or cosigner required No annual fee $0 liability on unauthorized purchases 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%* 6 Months* Prime + 7.99%* None* Yes* Good Credit*

Citi Dividend Platinum Select Card for College Students

0% APR* for 6 months on purchases, cash advances and balance transfers. Earn 5% cash back on purchases at supermarkets, gas stations, convenience stores, and utilities including cable for 6 months and 2% thereafter. No minimum income or cosigner required No annual fee 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%* 6 Months* Prime + 8.99%* None* Yes* Good Credit*

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

No annual fee for your card and free membership in the American Airlines AAdvantage® program.* Earn 1 AAdvantage® mile for every $2 you spend on purchases – up to 25,000 miles per year.* Redeem AAdvantage® miles with over 20 of the world's top airlines, major car rental companies and hundreds of luxurious hotels worldwide.* No minimum income or cosigner required.* 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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