For the Value Seeker
Platinum Select - Apply Now

Get comfortable using credit

No annual fee

0% APR on everything for 6 months: 17.99% on purchases and balance transfers thereafter*
  • Under any card agreement that you have with us the 0% APR may increase if you are unable to make payment
  • We apply your payments to low APR balances, before higher APR balances
For the Cash Conscious
Dividend Platinum Select - Apply Now

Earn 5% cash back at supermarkets, drugstores and gas stations

No annual fee

0% APR on everything for 6 months: 17.99% on purchases and balance transfers thereafter*
  • Under any card agreement that you have with us the 0% APR may increase if you are unable to make payment
  • We apply your payments to low APR balances, before higher APR balances
For the Rewards Lover
mtvU Platinum Select

Earn ThankYou Points®1 for a Good GPA, using your credit wisely and for shopping at the bookstore, restaurants, and more

Redeem points for concert tickets, travel, mtvU and MTV Studio tours, and tickets to mtvU and MTV Events 10% off music, videos, electronics and all sorts of things at the mtvshop.mtv.com

No annual fee

0% APR on everything for 6 months: 17.99% on purchases and balance transfers thereafter*
  • Under any card agreement that you have with us the 0% APR may increase if you are unable to make payment
  • We apply your payments to low APR balances, before higher APR balances

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Great benefits to being a Citi Card Member, whatever card you pick
No minimum income or co-signer required - Citi Identity Theft Solutions - $0 Liability on unauthorized purchases - Free online account management - Build your credit history for your future

Citi.com

1 250 to 2,000 ThankYou Points® twice a year for a good GPA. 25 ThankYou Points® a month for paying your bill on time and not going over your credit limit. 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores. 1 ThankYou Point® for every dollar you spend on all other purchases

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Terms, conditions, cavearts and small print
Copyright © 2005, Citigroup Inc.

CITI® PLATINUM SELECT CARD PROGRAM INFORMATION

* Introductory rate of 0.0% for 6 months from date of cardmembership on purchases, cash advances and balance transfers. After the promotional period ends, the standard purchase APR will be applied to any unpaid purchase and balance transfer balances; the standard cash advance APR will be applied to any unpaid cash advance balances. (As of May 13, 2006, the standard variable purchase APR: 17.99%; the standard variable cash advance APR: 22.99%.) However, all your APRs may automatically increase up to the 31.99% variable default rate if you default under any Card Agreement that you have with us. Min. finance charge: $0.50. Foreign purchase transaction fee is 3% of purchase amount after its conversion into U.S. dollars. The transaction fee for cash advances is 3% of the amount of each cash advance, $5 minimum. The transaction fee for balance transfers is 3% of the amount of each balance transfer $5 minimum, $75 maximum. However, there is no balance transfer transaction fee on balances you transfer in response to this offer. Subject to credit approval. Additional terms and conditions apply. Legal cash advance fees will apply.

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**CITI® DIVIDEND PLATINUM SELECT® CARD REWARD PROGRAM INFORMATION

*After the promotional period ends, your standard purchase APR will be applied to any unpaid balance transfer and promotional purchase balances, and your standard cash advance APR will be applied to any unpaid cash advance balances. As of May 13, 2006 the standard variable purchase APR is 17.99%, and the standard variable cash advance APR is 22.99%. However, all your APRs may automatically increase up to the 31.99% variable default rate if you default under any Card Agreement that you have with us. Min. finance charge: $0.50. Foreign purchase transaction fee is 3% of purchase amount after its conversion into U.S. dollars. The transaction fee for cash advances is 3.0% of the amount of each cash advance, $5 minimum. The transaction fee for balance transfers is 3.0% of the amount of each balance transfer, $5 minimum, $75 maximum. However, there is no balance transfer transaction fee on balances you transfer in response to this offer. We apply your payments to low APR balances before higher APR balances. That means your savings will be reduced if you make transactions that are subject to higher APRs. Subject to credit approval. Additional terms and conditions apply. Legal cash advance fees will apply.

Your Citi® Dividend Card account (“Card Account”) will receive a rebate based upon eligible transactions appearing on your current month’s billing statement. Such eligible transactions include purchases, cash advances and balance transfers, which will show cumulatively on your
statement as “Dividend Dollars”, as long as your Card Account is open and current. (Rebates on cash advances and balance transfers may take up to three billing cycles before they appear on your billing statement.) However, if your Card Account is no longer current, you will not be able to earn or redeem Dividend Dollars. If your Card Account is closed, you will no longer be able to earn or redeem your Dividend Dollars and unless you reopen your Card Account within 90 days of closure, you will forfeit any accumulated Dividend Dollars.

You will earn 5% on purchases made at supermarkets, drugstores and gas stations and 1% on all other purchases. Supermarkets are defined as stand-alone merchants that primarily sell a complete line of food merchandise for home consumption. Drugstores are stand-alone merchants that primarily sell prescription and proprietary drugs and nonprescription (over-the-counter) medicines. Gas stations are merchants that primarily sell vehicle fuel for consumer use.

Purchases not eligible to receive the 5% rebate include, but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores. In addition, online, catalog, mail order and telephone purchases are not eligible to receive a 5% rebate unless the merchants identify the transactions as being made at a supermarket, drugstore or gas station. We do not determine whether merchants correctly identify and bill transactions as being made at a supermarket, drug store or gas station. However, we do reserve the right to determine which purchases qualify for the 5% rebate.

You will earn 1% on cash advances and cash convenience check amounts billed at the standard cash advance rate. Cash advances and cash
convenience checks billed at a promotional rate will not receive a rebate unless specified otherwise. You will receive five Dividend Dollars for each individual balance transfer transaction, including individual balance transfer transactions made with balance transfer checks of $1,500 and greater.

You may accumulate a maximum of 300 Dividend Dollars in any calendar year (eligible transactions appearing on your January – December billing
statements). Dividend Dollars earned on purchases through the Citi® Dividend Merchant Network are not subject to the $300 calendar year
maximum accumulation.

Citi® Dividend cardmembers must be registered for Account Online and must activate their Citi® Dividend Merchant Network account to be eligible to earn Dividend Dollars on purchases made through the Citi® Dividend Merchant Network.

As soon as you’ve earned 50 Dividend Dollars or more, call us at 1-866-676-4672 or visit www.citicards.com so that we may send you a check for the total accumulated Dividend Dollar amount shown on your monthly billing statement. We cannot issue you a check unless you contact us. Checks cannot be issued for amounts less than $50 unless you’ve already received checks totaling more than $250. Cardmembers must be
registered for Account Online in order to request a check at www.citicards.com.

Returned purchases, disputed or unauthorized/fraudulent transactions, finance charges, and Card Account fees do not earn a rebate unless otherwise specified.

You are responsible for any taxes that may be due on checks we may send you for your Dividend Dollar balances. Dividend Dollars have no cash value until such time as you may request and receive a check for your accumulated Dividend Dollars and you shall have no property rights or other legal interest in Dividend Dollars. You may not assign, transfer or pledge your Dividend Dollars.

We may revise any of these Citi® Dividend Card Terms and Conditions at any time with 30 days prior written notice.

Please do not include a photo at this time. Details will be provided upon card membership.

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CITI® mtvUTM PLATIMUM SELECT® VISA® CARD REWARD PROGRAM

*Introductory rate of 0.0% for 6 months from date of cardmembership on purchases, cash advances and balance transfers. After the promotional period ends, your standard balance transfer APR will be applied to any unpaid balances. As of May 13, 2006, the standard variable purchase and balance transfer APR is 17.99%. The standard variable cash advance APR is 22.99%. However, all your APRs may automatically increase up to the 31.99% variable default rate if you default under any Card Agreement that you have with us. Min. finance charge: $0.50. Foreign purchase transaction fee is 3% of purchase amount after its conversion into U.S. dollars. The transaction fee for cash advances is 3% of the amount of each cash advance, $5 minimum. The transaction fee for balance transfers is 3% of the amount of each balance transfer, $5 minimum, $75 maximum. However, there is no balance transfer transaction fee on balances you transfer in response to this offer. Subject to credit approval. Additional terms and conditions apply. Legal cash advance fees will apply.


©2005 Citibank (South Dakota), N.A.
Citi, Citibank, Platinum Select, The Lost Wallet Service and Citi with Arc Design are registered service marks of Citigroup Inc.
ThankYou Redemptions Network and ThankYou Points are registered service marks of Citigroup Inc. ThankYou Design is a service mark of Citigroup Inc.
mtvU and all related names and logos are trademarks of MTV Network, On Campus Inc., a subsidiary of Viacom International Inc.


©2005 MTV Networks. All rights reserved. MTV: MUSIC TELEVISION Logo and VMA, Video Music Awards, are trademarks of MTV Networks,
a division of Viacom International Inc.

Visa® is a registered trademark of Visa International Service Assocation.

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©2005 Citibank (South Dakota), N.A.
Citi, Citibank, Platinum Select and Citi with Arc Design are registered service marks of Citigroup Inc.

MasterCard is a registered trademark of MasterCard International Incorporated.
© Copyright 2005 Visa U.S.A. All rights reserved.