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CitiBusiness® Card
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: Prime + 2.99% (Currently 7.99%)
Annual Fee: None
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Late Fee: $15-$39
Overlimit Fee: $35.00
Issuer: Citibank
Running your own business is never easy, so that is why we have created the CitiBusiness® Card. It's the card designed with small businesses in mind. The CitiBusiness Card helps you save time and money, and who doesn't need a little more of that?
Other Card Benefits
The CitiBusiness® Card comes with benefits you just can't find with most other small business cards:
- 0% APR on purchases and balance transfers for 12 months* — No balance transfer fee with this offer*
- No annual fee
- Quarterly and annual account summaries
- Deals and Discounts — savings from AETNA, Avis, Cingular Wireless, DHL, and more.
- Manage your account online — Manage payments, view statements, track activity, request a credit line increase and add employees.
- Personal Business Assistant — Make requests 24/7 online or by phone for business information, travel reservations, as well as referrals for marketing and administrative needs.
DETAILS AND INSTRUCTIONS FOR BALANCE TRANSFERS
Just follow these simple steps to start saving money on your high-interest cards.
1. After receiving your card, you may call our customer service number to transfer your high rate balances.
2. You may transfer any amount as long as the total amount (including any balance transfer fee) does not exceed your available credit line. Be sure you do not transfer the amount of any disputed purchase or other charge, because you may lose your dispute rights. Also, continue to make payments on your other accounts until your balance transfer is processed.
3. We may not approve future balance transfers if you default under any card agreement you have with us. Please note you cannot transfer balances from other accounts issued by Citibank (South Dakota) N.A., or its affiliates.
4. Finance charges will be assessed on balance transfers from the date the transaction is posted to your account. At that time, any balance transfer fees associated with this offer will be included in total in your minimum payment amount.
TERMS AND CONDITIONS
* Introductory APR of 0.0% for 12 months from date of cardmembership on balance transfers and purchases. After the promotional period ends, the standard variable purchase APR will be applied to any unpaid purchase and balance transfer amounts. As of February 2, 2008, the standard variable APR for purchases is 8.99% and the APR for cash advances is a variable rate of 20.99%. However, all your APRs may automatically increase to a 29.99% variable default rate if you default under any Card Agreement that you have with us. Minimum finance charge $0.50. The transaction fee for balance transfers is 3.0% of the amount of each balance transfer, $5 minimum. However, there is no fee with the 0% APR balance transfer offer described above. Cash advance transaction fee: 3.00% of the amount of each cash advance, minimum $5.00. Foreign purchase transaction fee: 3% of purchase amount after its conversion into U.S. dollars. Annual fee: none.
See web site for complete terms & conditions
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