Please read these Terms and Conditions.

CITI DISCLOSURES
Annual Percentage Rate (APR) for purchases 0.00% variable . for Citi® Platinum Select® Card
0.00% variable . for Citi® Platinum Select® Card
0.00% variable . for Citi® Platinum Select® Card
Other APRs


Cash advance APR: 0.00% variable.
Default APR: 0.00% variable. See explanation below.*
Variable rate information Your APRs may vary each billing period. **
  The cash advance APR equals the Prime Rate plus 0.00%.
All default APRs equal the greater of (1) the Prime Rate plus up to 0.00% or (2) up to 0.00%.
Grace period for repayment of the balance for purchases At least 20 days if you pay the total balance in full by the due date every billing period. If you do not, you will not get a grace period.
Method of computing the balance for purchases Average daily balance. This includes new purchases.
Minimum finance charge 0 cents.
Annual fees None.
Fee for purchases made in a foreign currency 3% of each purchase after it is converted into US dollars.
Other fees
Cash advance fee:   0% of each cash advance; $0 minimum.
Late fee:  
Over-the-credit-line fee:   $0
  * How can your actions trigger the default APR? If you default under any card agreement you have with us because you
• do not make the minimum payment when due,
• go over the credit line, or
• make a payment to us that is not honored,
all your APRs may increase to the default APR as permitted by law. We set your default APR by reviewing (1) the seriousness of your default with us and (2) your credit history.
  **
  When can we change the rates, fees, and terms of your card agreement? We may change the rates, fees, and terms of your card agreement from time to time as permitted by law. We will give you advance notice of the changes and a right to opt out to the extent required by law.
TERMS AND CONDITIONS OF OFFER
•   This offer is only valid for new accounts. You must be at least 18 years of age. If you are married, you may apply for a separate account. Citibank, N.A. ("we" or "us") is the issuer of your account. Citibank, N.A. is located in Sioux Falls, SD.
•  Federal law requires us to obtain, verify, and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. To process the application, we must have your name, street address, date of birth, and other identifying information, and we may ask for identifying documents from you as well.
•  Please allow four weeks from date of submission to process a completed application.
•  We may gather information about you, including from your employer, your bank, credit bureaus, and others, to verify your identity and determine your eligibility for credit, renewal of credit, and future extensions of credit. If you ask us, we will 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.
•  To receive a Citi® Platinum Select® Card, you must have an annual income of at least $8000 and you must meet our credit qualification criteria for a Citi® Platinum Select® Card. If you do not meet these criteria, you may receive a Citi® Platinum Select® Card,provided you meet our credit qualification criteria for the Citi® Platinum Select® Card Card. Otherwise, you may receive a Citi® Platinum Select® Card, provided you meet our credit qualification criteria for the Citi® Platinum Select® Card Card.
•  Your credit limit will be determined by your annual salary and wages, your other annual income and a review of your debt, including the debt listed on your credit report. You will be informed of the amount of your credit line when you receive your card. Some credit lines may be as low as $500. Please note that cash advances may be limited to a portion of your credit line.
•  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.