Citi® Professional Cash Card

The Citi® Professional Cash Card, 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 Citi® Professional Cash Card offers access to a free rewards program. Through the reward program, cardholders receive 1% cash back for every dollar spent on general purchases and 3% cash back for every dollar spent at restaurants, gas stations, certain office supply merchants, and on auto rentals. A $50 check will be issued upon request once $50 in cash rebates have been have been earned. There is a yearly limit of $500 in professional dollars.

The Citi® Professional Cash Card has no annual fee, an attractive 0% introductory rate on balance transfers for twelve months, and a reasonable interest rate for purchases. 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 Citi® Professional Cash 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) Cash Card has to offer.
Review Date: 12/14/2007

Most Attractive Feature(s): Access to reward program; no annual fee.
Least Attractive Feature(s): Minimum APR cap for cash advances.

Additional Perks
Various Internet account related services.
Travel accident insurance.
Auto rental insurance.
Identity theft solutions.
Various travel and emergency assistance services.
No liability for unauthorized transactions.
Quarterly and year-end financial statements.
Access to online expense reporting tool.
Access to personal business assistant.
Access to Citi® Photocards.
See website for additional benefits.

Important Notations
The minimum APR for cash advances is 19.99%.
See website for complete terms and conditions of card usage and application disclosure.