This offer is valid for new accounts only. You must be at least 18 years of age. If you're married, you may apply for a separate account. Citibank, N.A., Sioux Falls, SD, ("Citi," "we" or "us") is the issuer of your account. Please allow 4 weeks from date of submission to process your Card Account application.
By submitting this application, you request that Citi establish a Citi ThankYou® Premier Card account (the "Card Account") to you and any authorized users you have designated. You agree that all information provided in this application must be verifiable and accurate. The Card Account is governed by the terms of the card agreement ("Card Agreement") provided when the Card Account is issued.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means that we will ask for your name, address, date of birth, and other information that will allow us to identify you when you open an account. We may also ask to see your driver's license or other identifying documents; and obtain identification information about you or any authorized user you add to your account.
You authorize us to get credit reports and other information about you from consumer reporting agencies and other sources, for such purposes as: determining whether to issue you a Card Account, administering, reviewing and renewing the Card Account, credit line increases or decreases, collection and other servicing of the Card Account, and offering other products and services and for any other uses permitted by law. If you ask us, we'll tell you whether or not we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports. From time to time, we may report negative information about your Card Account behavior, like delinquencies, to consumer reporting agencies.
To receive a Card Account, you must meet our applicable criteria bearing on creditworthiness.
Your revolving credit limit will be determined based on the following:
We'll inform you of your revolving credit limit when you receive your credit card. Some limits may be as low as $2000. Please note that cash advances may be limited to a portion of your revolving credit limit.
If you are approved for a Card Account, you'll receive a Card Agreement before you can use your Card Account. The terms of the Card Agreement will take effect once you use your Card Account. Even if you do not use your Card Account, the Card Agreement will take effect if you do not cancel your Card Account within 30 days after we send you the Card Agreement. We have the right to make changes to the terms of your Card Account (including rates and fees) in accordance with the Card Agreement.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Notice to Wisconsin Residents: No marital property agreement, unilateral statement, or court decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant you credit, or we have actual knowledge of its terms before your account is opened.
Before adding an authorized user to your Card Account you should know:
If we ask for information about the authorized user, you must obtain their permission to share their information with us and for us to share it as allowed by applicable law.
How to Make Balance Transfers
Things You Should Know About Your Balance Transfer Offer:
If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the New Balance shown on your statement (including the amount of your balance transfer) in full by the payment due date each billing period.
If you default under your Card Agreement you may lose any promotional APR on the balance transfer.
Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. Citi isn't responsible for products and services offered by other companies.
Summary of the Citi ThankYou® Premier Card Terms and Conditions
With the Card Account, you can earn ThankYou Points for purchases made on your card.
Unless you are participating in a limited-time offer, you will earn:
-- 3 ThankYou Points for each $1 spent on purchases at airlines, hotels, car rental agencies, travel agencies/travel aggregators/tour operators, gas stations, commuter transportation, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, cruise lines, bridge and road tolls, parking lots/garages, campgrounds and trailer parks, timeshares, bus lines, motor home/recreational vehicle rentals and boat leases and rentals;
Certain Non‐Qualifying Purchases. You won't earn 3X Points for purchases made at recreational camps, insurance companies, auto clubs, fuel used for non–automobile purposes, and real estate agencies. Gas purchases made at warehouse clubs, discount stores, department stores and convenience stores do not qualify for 3X Points.
-- 2 ThankYou Points for each $1 spent on purchases at restaurants (including cafes, bars, lounges and fast food restaurants), and on select entertainment, including live entertainment, live theatrical productions, concerts, live sporting events, movie theaters, amusement parks (including zoos, aquariums, circuses and carnivals), tourist attractions (including museums and art galleries), record stores, video rental stores and on-demand internet streaming media;
Certain Non-Qualifying Purchases. You won't earn 2X Points for purchases made at bakeries, restaurants/cafes inside certain department, grocery, discount and convenience stores or warehouse clubs, sporting camps, public and private golf courses, country clubs (including membership fees), stores that sell musical instruments, video game arcades, bowling alleys, stores that primarily sell video games/accessories, charitable organizations that provide live entertainment, bookstores, and sports complexes where you participate in the sport.
-- 1 ThankYou Point for each $1 spent on other purchases including the non-qualifying purchases listed above.
Only Purchases Earn Points. Balance transfers, cash advances, checks that access your Card Account, items returned for credit, unauthorized charges, interest and account fees, travelers checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) do not earn ThankYou Points.
Each merchant - e.g., a retailer, business or any other place where you can make a purchase - is assigned a code that indicates the merchant's primary area of business. We don't assign or have any control over merchant codes. Codes are chosen and assigned by a third party, who may change the codes from time to time. When you make a purchase at a merchant, we're provided the code for that merchant and if the code matches a category that gives you additional points, you will earn the additional points. Because we don't control what code a merchant is assigned, sometimes a purchase that you think fits a certain category may not earn additional points. For example, a restaurant located within a large retail outlet may not be assigned a "restaurant" code, but rather a "retailer" code. This means that if you receive additional points for "dining out," you won't earn additional points for purchases at that restaurant. Or a restaurant located within a hotel may not be assigned a "restaurant" code, but rather a "hotel" code. This means that if you receive more points for purchases at a hotel than you receive for purchases at a restaurant, each purchase at that restaurant will be treated as a purchase at a hotel, and you'll receive additional Points. Please see our FAQs at thankyou.com/help or call the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) for more information about merchant codes and categories.
You may earn ThankYou Points as long as your Card Account is open and current. If your Card Account is closed, you will not be able to earn and redeem ThankYou Points and you will lose any accumulated ThankYou Points that have not been transferred to your ThankYou Member Account (we will set up a ThankYou Member Account for you).
ThankYou Rewards may be terminated with 30 days prior written notice. If ThankYou Rewards is terminated, you will have 90 days from ThankYou Rewards termination date to redeem all your accumulated ThankYou Points. The ThankYou Rewards program may be changed at any time. Rewards offered by ThankYou Rewards and the ThankYou Point levels required for specific rewards are subject to change without notice.
ThankYou Points earned from purchases post to your Card Account at the close of each billing cycle, and at that time we will transfer the ThankYou Points you earned to your ThankYou Member Account. (Bonus ThankYou Points may take one to two additional billing cycles to post to your Card Account). ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account.
Please see the Citi ThankYou Rewards Terms and Conditions at thankyou.com/terms, or call us at 1-800-THANKYOU (1-800-842-6596) to request a complete copy of the Terms and Conditions. The Terms and Conditions include redemption information on the Citi ThankYou Rewards Program.