The Citi® Professional(SM) Card with ThankYou(SM) Network, issued by Citibank, is designed for those with average credit who are looking to maintain and manage all of their personal and business expenses with one credit card.
The card offers access to a free rewards program. Through the reward program, the cardholder receives one point for every dollar spent on general purchases and three points for every dollar spent at restaurants, gas stations, certain office supply merchants, and on auto rentals. Points can be redeemed for a variety of merchandise, air travel, and gift certificates. There is a yearly limit of 100,000 points, and points expire in three years.
The card has no annual fee, an attractive 0% introductory rate on purchases for twelve months. However, there is a minimum cap for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.
Aside from the reward program, cardholders can expect access to a variety of benefits that include up to $1,000,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services.
The card also offers cardholders the benefit of the online expense reporting tool, which allows cardholders to categorize card activity and generate as many individual, easy-to-read expense reports as they choose.
Therefore, individuals who will take advantage of the rewards program and the additional benefits (especially the online expense reporting tool) will benefit most from what the Citi® Professional(SM) Card with ThankYou(SM) Network has to offer.
This review was updated 2008-05-05T00:00:00.0000000-07:00
| Type Of Rewards: |
Point |
| Reward Program Optional: |
No |
|
Optional programs may have a fee. See Terms and
Conditions for details. |
For Cards with Cash Back Incentives
| Lowest Possible Rebate: |
n/app |
| Highest Possible Rebate: |
n/app |
| Additional Rebates: |
n/app |
| Rebate Details: |
n/app |
For Cards with Point Incentives
| Points Per Dollar Spent: |
1 Point |
| Additional Points: |
3 points are earned for purchases made at restaurants, gas stations, certain office supply merchants, and on auto rentals. |
| Point Details: |
Points are redeemable for air travel, statement credits, gift certificates, and merchandise, or cardholders can create a personalized reward. |
For Cards with Airline Incentives
| Miles Per Dollar Spent: |
n/app |
| Additional Miles: |
n/app |
| Program Details: |
n/app |
Rewards Expiration Period: 3 Years
Annual Limit: 100,000 Points
Additional Credit Card Perks
Various Internet account related services.
No liability for unauthorized transactions.
Quarterly and year-end financial statements.
Identity theft solutions.
Fraud and security protection services.
Lost and stolen card reporting.
Emergency card replacement.
Emergency cash replacement.
Automatic bill payment.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Medical referral services.
Legal referral services.
Lost luggage assistance.
Various travel and emergency assistance services.
Access to online expense reporting tool.
See website for additional cardholder benefits.
Special Notations about the Citi® Professional(SM) Card with ThankYou(SM) Network
See website for complete terms and conditions of card usage and application disclosure.
Always read the credit card's
Terms and
Conditions before applying!
