Please read these Terms and Conditions.

Citi Disclosures
Annual Percentage Rate (APR) for purchases 0.00% variable for Citi® Hilton HHonorsTM Visa Signature® Card
0.00% variable for Citi® Hilton HHonorsTM Visa Signature® 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 rate equals the U.S. Prime Rate plus 0.00%. The Citi® Hilton HHonorsTM Visa Signature® Card default rate equals the U.S. Prime Rate plus 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:  
  * 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 (Gold card), 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.
•  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 Signature card, you must meet our applicable criteria bearing on creditworthiness for the Signature card. Otherwise, you may receive a Gold card, provided you meet our applicable criteria bearing on creditworthiness for the Gold card. The Gold card does not have as many benefits as the Signature card. Your credit limit (Gold card) or revolving credit limit (Signature card) 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 limit (Gold card) or revolving credit limit (Signature card) when you receive your credit card. Some limits may be as low as $500. Please note that cash advances may be limited to a portion of your credit limit (Gold card) or revolving credit limit (Signature card).
•  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.


Reward Program Information

Earn Hilton HHonors Bonus Points

Hilton HHonors Bonus Points will appear in your Hilton HHonors account within 4-6 weeks after you have met the purchase requirements.

You will earn 6 HHonors Bonus Points for each dollar on hotel stays within the Hilton Portfolio, 3 HHonors Bonus Points for each dollar spent at supermarkets, gas stations and drug stores and 2 HHonors Bonus Points for other purchases.

To qualify for 6 HHonors Bonus Points per dollar spent, purchases including but not limited to charges at hotel restaurants, lounges, retail stores, or spas, must be charged to a cardmember's hotel room bill and settled using the Citi Hilton HHonors Visa card upon checkout. Certain on-property vendors may not permit cardmember to charge to their hotel room, and such charges are not eligible to earn 6 HHonors Bonus Points per dollar spent.  Hotels are responsible for classifying transactions to enable Citi to recognize which ones qualify for 6 HHonors Bonus Points. If Citi receives a transaction without that information, Citi is unable to recognize that it qualifies. Citi reserves the right to determine which transactions qualify for 6 HHonors Bonus Points.

Supermarkets are stand-alone merchants that primarily sell a complete line of food merchandise for home consumption. Drugstores are stand-alone merchants that sell prescription and proprietary drugs and non-prescription medicines. Gas stations are stand-alone merchants that sell vehicle fuel for consumer use. Purchases made at warehouse clubs, discount stores, department stores and convenience stores do not qualify. We do not determine whether merchants appropriately identify transactions, but we do reserve the right to determine which purchases qualify for the 3 HHonors Bonus Points per dollar spent on these categories.

Eligible Purchases
Hilton HHonors Bonus Points are earned on purchases except returned goods and services, cash advances, convenience checks, transferred balances, credits, account fees and interest charges. Hilton HHonors Bonus Points will appear in your Hilton HHonors account within 4-6 weeks after you have met the purchase requirements and do not count toward elite tier qualification. Visit HHonors.com/Terms for complete Terms and Conditions.

Reward Nights
Hilton HHonors Points required for a reward night vary based on the category of hotel and whether the reward night is redeemed at a location during a peak or off-peak period.  Visit HHonors.com/HotelRewards to see the number of points required to book rewards stays at each category level. Reward nights and Bonus points are defined by HHonors in the HHonors program Terms and Conditions. Visit HHonors.com/Terms for complete details.

Complimentary Hilton HHonors Silver Status
HHonors Silver status is complimentary as a Citi® Hilton HHonorsTM Visa cardmember.

Two Ways to Gold Status
If a cardmember wishes to obtain HHonors Gold status, just complete four qualifying stays within first 91 days of cardmembership. A cardmember can also upgrade to HHonors Gold status by making $20,000 or more in purchases each calendar year. You will retain Gold status for the remainder of the calendar year in which it was earned through the end of the following calendar year. Stays must be charged to the cardmember's hotel room bill and settled using your Citi Hilton HHonors Visa Signature card upon checkout to count towards the fast track requirement. Purchases exclude returned goods and services, cash advances, convenience checks, transferred balances, credits, account fees and interest charges. Allow 4-6 weeks from completion of purchase requirements for your status to be upgraded.

Annual Loyalty Bonus
Purchases must be charged to the cardmember's hotel room bill and settled using your Citi Hilton HHonors Visa Signature card upon checkout. Returned goods and services do not count towards the spend requirement. Certain on-property vendors may not permit cardmember to charge to their hotel room, and such charges do not count towards the spend requirement. Your Citi Hilton HHonors Visa Signature card account must be open and current at the time the points are awarded. Hotels are responsible for classifying transactions to enable Citi to recognize which ones qualify as a hotel within the Hilton Portfolio. If Citi receives a transaction without that information, Citi is unable to recognize that it qualifies. Citi reserves the right to determine which transactions qualify for a hotel stay. Allow 4-6 weeks from December 31 for points to be posted.

Visit HHonors.com/Terms for complete Terms and Conditions

Hilton HHonors membership, earning of Points & Miles, and redemption of points are subject to HHonors Terms and Conditions. © 2014 Hilton Worldwide.