— Editor’s Pick: If You Carry a Balance — The Citi Simplicity® Card is an ideal choice for cardholders who carry a balance. There is an attractive 0% intro APR for 21 months and there are no late fees and no penalty rates.

• 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
• Peace of mind through direct access to a service representative, no late fees and no penalty rate
• No annual fee*

— This Citi® card offers 0% introductory APR on balance transfers for 12 months and 0% introductory APR on purchases for 12 months plus $100 bonus cash back.

• $100 cash back after $500 in purchases within the first three months of account opening.
• % Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
• 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories.
• Full 1% cash back on all other purchases and eligible cash advances
• No annual fee*

— The Citi ThankYou Preferred Card – 25,000 points – $250 in gift cards offer is just that; a limited time offer that earns you ThankYou rewards points for your spending.

Charge $2,000 or more to your card in the first 3 months of account membership, and you’ll earn 25,000 bonus points…worth $250 in gift cards! Plus, you’ll earn 1 ThankYou point per $1 spent on all purchases you make with your card.

ThankYou points are good for all kinds of things…and there is no limit to how many points you can earn and they’ll never expire as long as your account is in good standing. With this card, you’ll also earn a ThankYou points BONUS at the end of each year – plus there is no annual fee.

— Earn $300 cash back bonus with this generous sign-on offer.

• $300 cash back after $5000 in purchases within the first 3 months of account opening
• 5% cash back on airlines, hotels and car rentals from 7/1/11 to 9/30/11. Earn bonus cash back on rotating categories each quarter. Enrollment required.
• 5% average cash back at select merchants through Citi Bonus Cash Center®/li>
• Full 1% cash back on all other purchases and eligible cash advances
• No annual fee*

— The Citi® Dividend Platinum Select® MasterCard® combines a generous 15-month, 0% balance transfer APR with great cash rewards.

• 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
• Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10.
• Full 1% cash back on eligible purchases and cash advances.
• Earn extra cash back on popular, rotating categories each quarter. Enrollment required each quarter.
• Average 5% additional cash back through Citi Bonus Cash Center®
• No annual fee*

— The Citi® Diamond Preferred® Card combines a 18-month, 0% balance transfer APR with a low regular APR and a $30 credit with your approved application.

• 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the variable APR will be 11.99%-
• 19.99% based on your creditworthiness.*
• $0 Liability on unauthorized purchases
• Citi® Identity Theft Solutions
• Secure, free online account management
• No annual fee*

— A great first credit card for responsible full-time students.

• No Cosigner Required
• Earn 5% Cash Back on Eligible Purchases at Supermarkets, Drugstores, Gas Stations, Convenience Stores, and Utilities (Including Cable) for 6 Months and 2% Thereafter*
• Earn a Full 1% Cash Back on All Other Purchases*