|
|||||||||||||||||||||||||||||||||||||||||||||||||
This offer is valid for new accounts only. You must be at least 18 years of age (21 years of age in Puerto Rico). If you're married, you may apply for a separate account. The card offer referenced in this communication is only available to individuals who reside in the United States and its territories. Your eligibility for a particular product and service is subjected to a final determination by Citibank. This communication is not and should not be construed as an offer to individuals outside of the United States. Citibank, N.A., Sioux Falls, SD, ("Citi," "we" or "us" ) is the issuer of your account. Please allow 4 weeks from date of submission to process your Card Account application.
By submitting this application, you request that Citi establish a Citi Rewards+® Card account (the "Card Account") to you and any authorized users you have designated. You agree that all information provided in this application must be verifiable and accurate. The Card Account is governed by the terms of the card agreement ("Card Agreement") provided when the Card Account is issued.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means that we will ask for your name, address, date of birth, and other information that will allow us to identify you when you open an account. We may also ask to see your driver's license or other identifying documents; and obtain identification information about you or any Authorized User you add to your account.
Authorization for the Social Security Administration to Disclose Your Social Security Number Verification - You authorize the Social Security Administration (SSA) to verify and disclose to Citibank, N.A. through Experian for the purpose of this transaction whether the name, Social Security Number (SSN) and date of birth you have submitted matches information in SSA records. Your consent is for a one-time validation within the next 90 days.
ABOUT USING YOUR MOBILE PHONE TO APPLY FOR AN ACCOUNT ONLINE
You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Citi or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud.
Separately, Citibank may obtain information about your mobile phone activity from third parties and use this information for its other everyday business purposes. For more information, see our U.S. Privacy Notice for Consumers.
You agree that we and or our service providers may contact you at any phone number provided, email address, or mailing address. This includes communications to mobile or similar device. We may contact you by live person, auto dialer, recorded or artificial voice, text, or email for servicing, marketing information, or for decision for credit card application.
You authorize us to get credit reports and other information about you from consumer reporting agencies and other sources, including information about your credit or deposit accounts with other financial institutions. This information may be used for such purposes as: determining whether to issue you a Card Account, administering, reviewing and renewing the Card Account, credit line increases or decreases, collection and other servicing of the Card Account, offering other products and services and for any other uses permitted by law. If you ask us, we'll tell you whether we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports. From time to time, we may report negative information about your Card Account behavior, like delinquencies, to consumer reporting agencies.
To receive a Card Account, you must meet our applicable criteria bearing on creditworthiness and any other of our eligibility criteria, which we determine in our sole discretion.
Your revolving credit limit will be determined based on the following:
We'll inform you of your revolving credit limit when you receive your credit card. Some limits may be as low as $1000. Please note that cash advances may be limited to a portion of your revolving credit limit.
If you are approved for a Card Account, you'll receive a Card Agreement before you can use your Card Account. The terms of the Card Agreement will take effect once you use your Card Account. Even if you do not use your Card Account, the Card Agreement will take effect if you do not cancel your Card Account within 30 days after we send you the Card Agreement. We have the right to make changes to the terms of your Card Account (including rates and fees) in accordance with the Card Agreement and applicable law.
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.
Before adding an Authorized User to your Card Account you should know:
If we ask for information about the Authorized User, you must obtain their permission to share their information with us and for us to share it as allowed by applicable law.
How to Make Balance Transfers
Things You Should Know About Your Balance Transfer Offer:
If you transfer a balance with this offer, interest will be charged on purchases made with your Card Account unless your purchases have a 0% APR or you pay the New Balance shown on your statement (including the amount of your balance transfer) in full by the payment due date each billing period. If your New Balance includes a Citi Flex Plan, interest will be charged on purchases unless you pay the Adjusted New Balance shown on your statement, plus any Citi Flex Plan Payment Amount, by the due date each month or those purchases have a 0% APR.
Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. Citi isn't responsible for products and services offered by other companies.
Summary of the Citi Rewards+® Card Terms and Conditions
With the Rewards+® Card, you can earn ThankYou Points for purchases made on your card.
Unless you are participating in a limited-time offer, you will earn:
--2 ThankYou Points for each $1 spent on purchases at supermarkets and gas stations, for the first $6,000 per calendar year and then 1 ThankYou Point for each $1 spent thereafter.
Certain Non-Qualifying Purchases.
Supermarkets - You won't earn 2X Points for
purchases made at general merchandise/discount superstores, freezer/meat locker provisioners, dairy product
stores, miscellaneous food/convenience stores, markets, drugstores, warehouse clubs, wholesale clubs, specialty
vendors, bakeries, candy stores, nut stores, confectionery stores, and meal kit delivery services. You also
won't earn 2X Points for purchases made at online supermarkets if the merchant does not classify itself as a
supermarket by using the supermarket merchant code.
Gas stations - You won't earn 2X Points for fuel purchased for commercial purposes or used for non-automobile
purposes. You also won't earn 2X Points if the merchant does not classify itself as a gas station by using the
gas station merchant code. Therefore, you may not earn 2X Points for purchases made at warehouse clubs,
wholesale clubs, superstores, discount stores, department stores, and convenience stores.
-- 1 ThankYou Point for each $1 spent on other purchases including the non-qualifying purchases listed above.
Round Up
For every purchase that earns ThankYou Points, your ThankYou Points
will be rounded up to the nearest 10 points so that the total ThankYou Points awarded for any purchase is in a
10-ThankYou-Point increment ("Round Up"). For example, if you purchase an item that costs $3.48, you'll receive
10 ThankYou Points; and if you purchase an item that costs $9.51, you'll receive 10 ThankYou Points. Points are
rounded after the additional points are awarded for 2X qualifying purchases. For example, if you make a $7
purchase that earns 2X Points, you'll receive 20 ThankYou Points.
10% Points Back from Redemptions
When you redeem your ThankYou Points,
you’ll receive 10% points back for the first 100,000 ThankYou Points redeemed per calendar year. This
means that if you redeem 10,000 ThankYou Points, you’ll receive 1,000 ThankYou Points from the 10% Points
Back feature. You will not receive 10% Points Back on points you redeem on Points Sharing transactions.
Only Purchases Earn Points. Balance transfers, cash advances, checks that access your Card Account, items returned for credit, unauthorized charges, interest and account fees, travellers checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) do not earn ThankYou Points.
Merchant Classification for Rewards Categories
Merchants are assigned a merchant category code ("MCC"), which is determined in accordance with
Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily
sell. We don't control the assignment of these codes and are not responsible for the codes used by merchants.
When you use your card to make a purchase, we're provided an MCC for that purchase. We group similar merchant
codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a
rewards category, but if the code assigned to the merchant wasn't grouped into that category as recognized by Citi, your purchase will
not qualify for additional rewards. For example, you won't earn additional points for purchases at a restaurant
located within a retailer if the restaurant is assigned a "retailer" code instead of a "restaurant" code.
Please also note — purchases made through mobile/wireless technology may not earn additional points
depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine
which purchases qualify for additional points.
When you reach a reward or benefit cap (e.g., you spend $6,000 on purchases at supermarkets and gas stations to earn 2X Points on these purchases), and you return items (reducing your spending within that category), you will earn 1X Points for purchases even if those purchases would have otherwise qualified for 2X Points.
You may earn ThankYou Points as long as your Card Account is open and current. If your Card Account is closed, you will not be able to earn and redeem ThankYou Points and you will lose any accumulated ThankYou Points that have not been transferred to your ThankYou Member Account (we will set up a ThankYou Member Account for you). You will also not earn points from Round Up or receive 10% Points Back if your account is closed.
ThankYou Rewards may be terminated with 30 days prior written notice. If ThankYou Rewards is terminated, you will have 90 days from ThankYou Rewards termination date to redeem all your accumulated ThankYou Points. The ThankYou Rewards program may be changed at any time. Rewards offered by ThankYou Rewards and the ThankYou Point levels required for specific rewards are subject to change without notice.
ThankYou Points earned from purchases Round Up, and ThankYou Points earned from 10% Points Back, post to your Card Account at the close of each billing cycle, and at that time we will transfer the ThankYou Points you earned to your ThankYou Member Account. (Points from Round Up and 10% Points Back are not considered Bonus ThankYou Points. Bonus ThankYou Points may take one to two additional billing cycles to post to your Card Account.) ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account.
Please see the Citi ThankYou Rewards Terms and Conditions at thankyou.com/terms, or call us at 1-800-THANKYOU (1-800-842-6596) to request a complete copy of the Terms and Conditions. For speech or hearing impaired TTY: Use 711 or other relay service. The Terms and Conditions include redemption information on the Citi ThankYou Rewards Program.
Fraud, Misuse, Abuse, or Suspicious Activity.
If we see evidence of fraud,
misuse, abuse, or suspicious activity, as determined by us in our sole discretion, we reserve the right to take
action against you. This may include, without limitation and without prior notice, any of all of the following:
Some examples of fraud, misuse, abuse and suspicious activity include:
Please contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) immediately if you suspect your ThankYou Account is the target of fraud or suspicious activity. For speech or hearing impaired TTY: Use 711 or other relay service.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.