Please read these Terms and Conditions.

CITI DISCLOSURES
Annual Percentage Rate (APR) for purchases 0.00% variable . for Citi® Dividend MasterCard®
0.00% variable . for Citi® Dividend MasterCard®
0.00% variable . for Citi® Dividend MasterCard®
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® Dividend MasterCard®, you must have an annual income of at least $8000 and you must meet our credit qualification criteria for a Citi® Dividend MasterCard®. If you do not meet these criteria, you may receive a Citi® Dividend MasterCard®,provided you meet our credit qualification criteria for the Citi® Dividend MasterCard® Card. Otherwise, you may receive a Citi® Dividend MasterCard®, provided you meet our credit qualification criteria for the Citi® Dividend MasterCard® 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.


CITI DIVIDEND CARD REWARD PROGRAM INFORMATION
Your Citi Dividend Card account ("Card Account") will receive a rebate based upon eligible transactions appearing on your current month's billing statement. The only eligible transactions are purchases, cash advances and balance transfers. The rebates will show cumulatively on your statement as "Dividend Dollars", as long as your Card Account is open and current. However, if your Card Account is no longer open or current, you will not be able to earn or redeem Dividend Dollars.
Unless you are participating in a limited-time promotional offer, you will earn 1% on purchases. You will earn 1% on cash advances and cash convenience check amounts billed at the standard cash advance rate. You will receive five Dividend Dollars for each individual balance transfer transaction of $1,500 or more. Limited promotional offers do not apply to personal banking transactions you make using your card. So you will earn only 1% on these transactions.
Unless the offer you received indicates otherwise, you may accumulate a maximum of 300 Dividend Dollars in any calendar year (eligible transactions appearing on your January - December billing statements) payable in checks of $50 increments only upon your request . Dividend Dollars earned on purchases through the Citi Bonus Cash Center are not subject to the $300 calendar year maximum accumulation.
Dividend Dollars will not expire as long as you have qualifying purchase activity at least once every 12 months unless the Citi Dividend Card Reward Program is terminated in which case you will have only 30 days to request redemption of your eligible Dividend Dollars. (Cash advances, cash convenience checks, and balance transfer transactions do not count as qualifying purchase activity.) You have no property rights or other legal interest in Dividend Dollars. Dividend Dollars have no cash value until such time as you may request and receive a check for your redemption eligible Dividend Dollars. You may not assign, transfer, or pledge your Dividend Dollars.
When you become a cardmember, you will receive the full Citi Dividend Card Terms and Conditions which we may change at any time with 30 days prior written notice. In addition, we may terminate the Citi Dividend Card Reward Program with 30 days prior written notice.