The Citi Professional Card is designed for those with average credit who are looking to maintain and manage all of their personal and business related expenses with a 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.
Aside from the reward program, cardholders can expect access to a variety of platinum benefits that include up to $1,000,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services.
The card offers cardholders the benefit of the Citi Professional Card's online expense reporting tool, which allows cardholders to categorize card activity and generate as many individual, easy-to-read expense reports as they choose.
The card has no annual fee, an attractive 0% introductory rate for balance transfers for the first nine months of membership, and a reasonably low interest rate for purchases and balance transfers. 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.
Therefore, individuals who will take advantage of the rewards program and the additional benefits provided (especially the online expense reporting tool) will benefit most from what the Citi® Professional Card has to offer.
Most Attractive Feature(s):
Free rewards program; three points per dollar for select purchases; online expense reporting tool.
Least Attractive Feature(s):
Minimum APR cap for cash advances.
Additional Perks
Various Internet account related services.
No liability for unauthorized transactions.
Quarterly and year-end financial statements.
Lost wallet service.
Lost and stolen card reporting.
Emergency card replacement.
Emergency cash replacement.
Autopayment option.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Medical referral services.
Legal referral services.
Lost luggage service.
Various travel and emergency assistance services.
Access to online expense reporting tool.
|
Security Note: All Applications linked to on this site feature Secure SSL Technology.
