The CiTi DiviDenD C arD
Transcription
The CiTi DiviDenD C arD
Earn Cash Back The Citi ® Dividend card Redeem Cash Back Cardmember Benefits > Manage Your Account > Manage Your Credit > Customize Your Account > Protection Benefits > Travel Services 2G Card > How It Works > FAQs: Page 1 > FAQs: Page 2 Additional Citi® World MasterCard® Cardmember Benefits When you put it all together, you’ll find there’s no other card quite like it. Additional Citi® World Elite® MasterCard® Cardmember Benefits » View Quarterly Bonus Categories Contact Us citicards.com Earn Cash Back Redeem Cash Back Cardmember Benefits > Manage Your Account Enjoy having the most ways to earn cash back. Earn 1% cash back Earn $5 cash back From your morning cup of coffee to a new entertainment center, you will earn 1% cash back on the purchases you make.1 You can also earn cash back on individual balance transfer transactions of $1,500 or more. It’s another easy way to earn cash back. Plus, you’ll earn 1% cash back for cash advances taken at the standard cash advance rate. > Manage Your Credit > Customize Your Account > Protection Benefits > Travel Services 2G Card Earn additional cash back in popular categories Each quarter you’ll have the opportunity to earn additional cash back in popular categories — like department stores, restaurants, hotels and more. It’s fast, easy and free to enroll. » T o enroll in these offers, visit dividend.quarterlyoffer.citi.com or call 1-800-231-0891. Earn 5% unlimited cash back on average through the Citi Bonus Cash Center® Earn even more cash back when you shop at over 400 leading stores. Shop by phone, online or at participating retail stores. » To learn more and shop, visit bonuscashcenter.citicards.com. > How It Works > FAQs: Page 1 > FAQs: Page 2 Additional Citi® World MasterCard® Cardmember Benefits Additional Citi® World Elite® MasterCard® Cardmember Benefits Contact Us 1 See Important Information at the back. citicards.com Earn Cash Back Ready to redeem your cash back? Redeem Cash Back Request your $50 check Cardmember Benefits As soon as you’ve earned $50 or more in cash back, visit us at citicards.com or call us at 1-866-676-4672 to request your check. > Manage Your Account > Manage Your Credit You can keep track of the cash back you have earned on your billing statement or at citicards.com. Checks will be issued in $50 increments. > Customize Your Account > Protection Benefits > Travel Services 2G Card > How It Works Press the Request Cash Back button on your Citi Dividend 2G Card If you have the innovative Citi Dividend 2G Card, you can request to redeem your cash back by pressing the Request Rewards button on your card. If you have activated a Citi Dividend 2G Card, you will not receive your cash back in the form of a check. Go to the 2G Card section to learn all about it. > FAQs: Page 1 > FAQs: Page 2 Additional Citi® World MasterCard® Cardmember Benefits Additional Citi® World Elite® MasterCard® Cardmember Benefits Contact Us citicards.com Earn Cash Back Redeem Cash Back Cardmember Benefits > Manage Your Account > Manage Your Credit > Customize Your Account > Protection Benefits Access your account with ease, from practically anywhere. Account Online is a fast and convenient way to manage your account. You can view balances, Dividend Dollars earned and special offers; pay bills online; request an annual account summary; and much more. Citi MobileSM allows you to access your account on eligible mobile phones. View your current balance, available credit, recent transactions and payment due date right from the palm of your hand. » T o learn more about Account Online or to activate your Account Online today, visit citicards.com. » Learn more about which mobile phones are eligible and download the app today at citicards.com. Citi Text Banking gets you the account information you need, whenever you need it. Get updates about your account in seconds — all it takes is a text. Once you’ve enrolled, just send a short command — like BAL — to 692484 (MYCITI) and get the answer you need. > Travel Services 2G Card > How It Works @AskCiti allows you to tweet us for answers to your questions. We’re here to listen and help, and are available Monday – Friday, 9 a.m. – 10 p.m. ET. » Follow us at twitter.com/AskCiti. > FAQs: Page 1 > FAQs: Page 2 Additional Citi® World MasterCard® Cardmember Benefits Additional Citi® World Elite® MasterCard® Cardmember Benefits Contact Us citicards.com Earn Cash Back Redeem Cash Back Cardmember Benefits > Manage Your Account When it comes to credit, you’re in control. Balance consolidation is a great way to save money on interest charges by consolidating your high-interest credit card balances. You can save money and earn cash back at the same time. A credit limit increase may become available to you, as we regularly review accounts to determine if you qualify. > Manage Your Credit > Customize Your Account > Protection Benefits Convenience checks allow you to access the cash advance portion of your credit limit anywhere personal checks are accepted. > Travel Services 2G Card An Annual Account Summary is a great way to track your spending by month and category. The more information you have about your account, the easier it is to stay on top of it. > How It Works > FAQs: Page 1 > FAQs: Page 2 Additional Citi® World MasterCard® Cardmember Benefits Additional Citi® World Elite® MasterCard® Cardmember Benefits Contact Us citicards.com Earn Cash Back Redeem Cash Back Cardmember Benefits > Manage Your Account > Manage Your Credit > Customize Your Account > Protection Benefits > Travel Services 2G Card > How It Works > FAQs: Page 1 > FAQs: Page 2 Additional Citi® World MasterCard® Cardmember Benefits Your account, just the way you want it. Additional cards are available upon request at no additional charge for family members and household members. With each additional card you can earn cash back, which can help your cash back add up even faster.2 Customize your PIN by selecting a unique 4-digit number you can easily remember. With your PIN, you can use your standard Citi Dividend Card for cash advances at ATMs worldwide. Customize your statement due date by selecting your own payment due date to coincide with the time of the month you prefer to pay your bills, whether it’s the beginning, middle or end of the month. Choosing your payment method allows you to pay your bill in the way that’s most convenient to you — by mail, over the phone or with automatic monthly payments. Pay your bill online with our no fee Click-to-Pay service and get same day crediting for payments received by 5:00 p.m. ET. » To take advantage of any of these options, visit citicards.com or call Citi Customer Service at 1-866-775-0556. Additional Citi® World Elite® MasterCard® Cardmember Benefits Contact Us 2 See Important Information at the back. citicards.com Earn Cash Back Redeem Cash Back Your card features protection benefits that help give you peace of mind. Retail Purchase Protection protects most purchases made on your Citi Dividend account against theft or damage for up to 90 days from the date of purchase.3 Cardmember Benefits > Manage Your Account > Manage Your Credit Extended Warranty extends the terms of the original manufacturers’ U.S. warranty (of one year or less) for up to one additional year on most items purchased on your Citi Dividend account.3 > Customize Your Account > Protection Benefits > Travel Services 2G Card > How It Works > FAQs: Page 1 > FAQs: Page 2 Additional Citi® World MasterCard® Cardmember Benefits Our free Virtual Account Number service lets you shop online without using your real credit card number. It’s a more secure way to shop online. Fraud Early Warning monitors your account to detect potentially fraudulent transactions. When we see suspicious activity, we will take appropriate actions to protect your account, including contacting you to validate the transactions. The Lost Wallet® Service ensures that if a card on your Citi Dividend account is lost or stolen, we’ll issue a new card, usually within 24 hours. We’ll also provide you with emergency cash, subject to your available cash advance limit, and information to help you replace important documents.4 $0 Liability on Unauthorized Charges protects you if someone uses your card without your consent. Whether online or offline, you won’t be held responsible for any unauthorized charges. Citi® Identity Theft Solutions can help give you peace of mind should you become a victim of identity theft or if your identity becomes compromised. If this happens to you, we’ll provide you with free access to specialists who will work with you to help re-establish your credit and reclaim your identity. You’ll get expert assistance on the steps to take, as well as help with paperwork and phone calls. Additional Citi® World Elite® MasterCard® Cardmember Benefits Contact Us 3,4 See Important Information at the back. citicards.com Earn Cash Back Redeem Cash Back Cardmember Benefits Enjoy travel benefits wherever your travels take you. Automatic Travel Accident Insurance is available when you charge plane, train or bus tickets to your Citi Dividend account. You can travel worry-free knowing that you, your spouse and eligible dependent children are automatically covered by Worldwide Automatic Travel Accident Insurance at no additional cost.3 > Manage Your Account > Manage Your Credit > Customize Your Account > Protection Benefits Auto Rental Insurance pays for covered damages (physical damage and theft) to a rental vehicle when a card on your Citi Dividend account is used to initiate and pay for the entire rental transaction and you decline the car rental company’s collision and loss/damage waiver insurance.3 > Travel Services 2G Card > How It Works Travel and Emergency Assistance Services are available just in case something unexpected occurs. You’ll receive help in replacing lost or stolen airline tickets and travel documents, and referrals to local doctors and attorneys anywhere in the world. You can also obtain information on currency exchange rates, visas and passports.5 > FAQs: Page 1 > FAQs: Page 2 Additional Citi® World MasterCard® Cardmember Benefits Additional Citi® World Elite® MasterCard® Cardmember Benefits Contact Us 3,5 See Important Information at the back. citicards.com Earn Cash Back Earning and redeeming cash back is easy with the revolutionary Citi Dividend 2G Card. Redeem Cash Back Press to use credit. Press to request cash back. Cardmember Benefits > Manage Your Account > Manage Your Credit > Customize Your Account > Protection Benefits > Travel Services 2G Card > How It Works Maximize your cash back on every purchase Redeem cash back with the push of a button Press the Regular Credit button on your card to activate it before any in-store purchase. A blue light will flash, and then you can swipe your card. Press the Request Rewards button on your card to request to access your available cash back once you have earned 50 Dividend Dollars. Use it toward any in-store purchase. A confirmation email will be sent every time you press the Request Rewards button on your card. Here’s how simple it is: The Citi Dividend 2G credit card with Request Rewards gives you the most ways to benefit from everyday purchases. You’ll still earn additional cash back on rotating categories when you enroll and 1% cash back on all other purchases. Plus, you’ll earn cash back when you use your cash back! > FAQs: Page 1 > FAQs: Page 2 Additional Citi® World MasterCard® Cardmember Benefits Additional Citi® World Elite® MasterCard® Cardmember Benefits Contact Us You can still use the Citi Dividend 2G Card for online purchases when paying with credit. However, you will be unable to request to use your cash back online. The Citi Dividend 2G Card can be used anywhere your card is swiped. STEP 1 STEP 2 STEP 3 Press the Request Rewards button on your card to activate it. Swipe your card — a flashing orange light indicates it’s ready. Enjoy your purchase! Your cash back will appear as a statement credit on your bill. Your purchase will post as a credit transaction for the full amount of the purchase. If Dividend Dollars are available, they will be redeemed and appear as a redemption credit on your billing statement within 1-2 cycles. As long as you have an active Citi Dividend 2G Card associated with your Citi Dividend account, you will not be able to redeem cash back in the form of a check. » Learn more about the Citi Dividend 2G Card at dividend2g.citi.com. citicards.com Earn Cash Back Redeem Cash Back Cardmember Benefits > Manage Your Account > Manage Your Credit > Customize Your Account > Protection Benefits Q: How does the redemption work? A: An email notification will be sent when you earn $50 in cash back. Your cash back will automatically be available to request with your Citi Dividend 2G Card. Simply press the Request Rewards button on your card at the time of purchase. Depending on the cost of the item you are purchasing and your Dividend Dollars balance available for redemption at the time of the purchase, you will redeem a portion or the complete balance of your cash back. Q: Do I earn cash back when I press the Request Rewards button? A: Yes. One of the benefits of the Citi Dividend 2G Card is that you will earn cash back for the complete purchase amount even when you press the Request Rewards button on your card. > Travel Services 2G Card Q: What happens if I press the Request Rewards button before I have earned at least $50 cash back? > How It Works A: If you press the Request Rewards button on your card but have not earned at least $50 cash back, the purchase will go through as a regular credit purchase. > FAQs: Page 1 > FAQs: Page 2 Additional Citi World MasterCard® Cardmember Benefits ® Additional Citi® World Elite® MasterCard® Cardmember Benefits Contact Us Frequently Asked Questions about the Citi Dividend 2G Card. Q: What happens if I press the Request Rewards button, but my available cash back is less than the total cost of the purchase? A: When you press the Request Rewards button, the entire amount of the purchase will post as a credit transaction and you will request to use your available cash back up to the amount of the purchase. If your available cash back is less than your purchase amount, the full available cash back at the time of purchase will be applied as a statement credit. Q: How do I know how much cash back is available to request to redeem with my Citi Dividend 2G Card? A: To check your cash back balance, please call the Customer Service number on the back of your card. Q: What happens if I don’t press a button while making a purchase? A: A button will need to be pressed to switch on the card at the time of purchase. In the event that a button is not pressed, the card will not switch on, and you will not be able to complete your purchase. Q: Why do I have to sign for the full amount of my purchase when I request to use my Dividend Dollars to pay? A: Every transaction will post as a credit transaction for the full amount of the purchase. If Dividend Dollars are available, they will be redeemed and appear as a redemption credit on your billing statement within 1-2 cycles. You will not see this amount deducted at the point-of-sale, but rather, as a credit on your statement. Q: Can I still use my Citi Dividend 2G Card to make purchases online? A: Yes, enter your card information as you normally would and you’ll earn cash back on purchases you make online. However, you will not be able to request to redeem cash back for online purchases. » Learn more about the Citi Dividend 2G Card at dividend2g.citi.com. citicards.com Earn Cash Back Redeem Cash Back Frequently Asked Questions about the Citi Dividend 2G Card. (continued) Q: Can additional cardholders request to redeem cash back? A: Only the primary cardmember can request redemption of Dividend Dollars. Cardmember Benefits > Manage Your Account Q: Can I use the PayPass® feature with my Citi Dividend 2G Card? > Manage Your Credit A: No, the Citi Dividend 2G Card is not PayPass enabled. > Customize Your Account > Protection Benefits > Travel Services Q: Can I use my Citi Dividend 2G Card to make transactions outside the U.S.? A: Yes, you can make purchases outside the U.S. with your Citi Dividend 2G Card at all magnetic stripe readers where your card is swiped. Q: Why is the light on my card blinking? > FAQs: Page 1 > FAQs: Page 2 Additional Citi® World MasterCard® Cardmember Benefits Additional Citi® World Elite® MasterCard® Cardmember Benefits Contact Us A: The battery in your card is designed to last as long as the card. If you have a problem with the card, please call the Customer Service number on the back of your card. Q: What if the light doesn’t turn on or the card doesn’t work? A: Press a button and verify if the light comes on. If it does not turn on, there may be a problem with the card. Please call the Customer Service number on the back of your card. In the unlikely event your Citi Dividend 2G Card should stop working, please use your standard Citi Dividend Card. Q: Is the card x-ray safe (through airport security)? 2G Card > How It Works Q: Should I be concerned about running out of battery power? A: The light on your card is blinking to indicate that your payment choice has been activated and ready for use. The card will remain active for approximately 8 minutes before or 20 seconds after it is swiped. The card can be reswiped if needed, within this period, without the need to press a button to reactivate the card. Q: How do I turn the card off? A: The card will turn off automatically 20 seconds after it is swiped. You may also press the selected button for 3 seconds and the card will be turned off. A: Yes, airport x-ray scans will not affect the card. Q: Can I get the card wet? A: While the card is completely laminated and will function normally if exposed to water, we recommend keeping it away from water and other liquids, as well as any extreme conditions. Q: Who can I contact if I have further questions about my Citi Divided 2G Card or how it works? A: You can contact Customer Service at the number on the back of your card. » Learn more about the Citi Dividend 2G Card at dividend2g.citi.com. citicards.com Earn Cash Back Additional benefits for Citi® Dividend World MasterCard® cardmembers. Redeem Cash Back Citi Dividend World MasterCard and Citi Dividend World Elite MasterCard cardmembers also enjoy these great benefits. Cardmember Benefits World MasterCard Cardmember Personal Concierge Service is available 24/7 to help you with anything from dining recommendations and reservations, event tickets and travel planning to day-to-day household needs. > Manage Your Account > Manage Your Credit » Call 1-877-229-4995. > Customize Your Account > Protection Benefits > Travel Services Roadside Assistance is available if your car breaks down on the road. The roadside service fees will be conveniently billed to your Citi Dividend World MasterCard account. If you’re stranded on the road, help is just a phone call away.3 PayPass® allows you to tap your standard Citi Dividend Card on PayPass readers at participating locations to pay for items. PayPass is only available on the standard Citi Dividend World MasterCard and not the Citi Dividend 2G World MasterCard. Price Protection is available if you buy something with your Citi Dividend World MasterCard account and then see it advertised in print for less within 60 days. You will receive a refund for the difference, up to $250 (excludes internet purchases and advertisements, and certain items).3 2G Card > How It Works > FAQs: Page 1 > FAQs: Page 2 Additional Citi® World MasterCard® Cardmember Benefits Lost Luggage Coverage provides up to $3,000 in Lost Luggage Coverage for you and your dependents when you charge your entire common carrier fare on your Citi Dividend World MasterCard account. This covers permanently lost, stolen or damaged baggage, or personal articles checked with a common carrier.3 Trip Cancellation/Trip Interruption Coverage is available in the event you are prevented from taking or continuing a trip billed to your Citi Dividend World MasterCard account. You are eligible to receive up to $1,500 in Trip Cancellation/Trip Interruption Coverage.3 Additional Citi® World Elite® MasterCard® Cardmember Benefits Contact Us 3 See Important Information at the back. citicards.com Earn Cash Back Special benefits reserved for Citi® Dividend World Elite MasterCard® cardmembers. In addition to the World MasterCard benefits, Citi Dividend World Elite MasterCard cardmembers also enjoy these extraordinary benefits. Airport Lounge Access is available at over 600 airport lounges with Priority Pass™ Select. It helps make air travel a little less stressful.7 Complimentary Companion Tickets are available on select flights for business class and first class travelers.7 > Manage Your Credit World Elite MasterCard Cardmember Personal Concierge Service is available 24/7 to help you with anything from dining recommendations and reservations, event tickets and travel planning to day-to-day household needs. > Customize Your Account » Call 1-888-283-7199. Redeem Cash Back Cardmember Benefits > Manage Your Account > Protection Benefits > Travel Services 2G Card > How It Works > FAQs: Page 1 No pre-set spending limit ensures there is no need to worry about hitting your spending limit as long as the amount that exceeds your revolving credit limit is paid in full each month. Each charge that causes your balance to exceed your revolving credit limit will be evaluated based on account usage and performance, other account relationships with us (if applicable) and your experience with other creditors. You must pay in full each month any amount that exceeds your revolving credit limit. PayPass® allows you to tap your standard Citi Dividend Card on PayPass readers at participating locations to pay for items. PayPass is only available on the standard Citi Dividend World Elite MasterCard and not the Citi Dividend 2G World Elite MasterCard. > FAQs: Page 2 MasterCard Travel Services Additional Citi® World MasterCard® Cardmember Benefits Enjoy access to MasterCard Travel Services, a suite of worldclass travel services, benefits and premium offers provided by a select group of best-in-class service providers designed to deliver truly priceless travel experiences.6 Additional Citi® World Elite® MasterCard® Cardmember Benefits Contact Us 6,7 See Important Information at the back. citicards.com Contact Us Earn Cash Back Redeem Cash Back Cardmember Benefits > Manage Your Account > Manage Your Credit > Customize Your Account Account Online Enrollment Customer Service Enroll in Account Online at citicards.com Citi Customer Service 1-800-950-5114 Cash Back Secure Messaging If you have a question about your account, please use our Secure Message Center by signing on to your account at citicards.com and choosing the “Contact Us” option from the “Help & Contact Us” dropdown menu. To enroll in the current Quarterly Bonus Offer: • Visit dividend.quarterlyoffer.citi.com • Call 1-800-231-0891 > Protection Benefits TDD Service (for speech or hearing impaired cardmembers) 1-800-325-2865 > Travel Services Citi Bonus Cash Center website bonuscashcenter.citicards.com Cash Back Redemption 1-866-676-4672 Banking 2G Card > FAQs: Page 1 Dividend 2G > FAQs: Page 2 See the Citi Dividend 2G Card in action at dividend2g.citi.com. Citi ATM Locator Service 1-800-CITI-ATM > How It Works Citibanking (access to Citi’s other financial services) 1-800-321-CITI Student Loans 1-800-692-8200 Additional Citi® World MasterCard® Cardmember Benefits Concierge Service Additional Citi® World Elite® MasterCard® Cardmember Benefits World Elite MasterCard 1-888-283-7199 World MasterCard 1-877-229-4995 CitiMortgage 1-800-667-8424 Contact Us citicards.com Citi Dividend Card Important information Earn Cash Back Redeem Cash Back 1Unless you received an offer indicating otherwise, you may earn up to $300 cash back per calendar year. Cash back earned through the Citi Bonus Cash Center is not subject to the annual maximum accumulation. 2 Primary cardmember is responsible for any charges made by authorized users. Cardmember Benefits 3 Certain conditions, restrictions and exclusions apply. For complete program details, including coverage amounts, refer to your Summary of Additional Program Information. > Manage Your Account > Manage Your Credit > Customize Your Account > Protection Benefits > Travel Services 2G Card > How It Works > FAQs: Page 1 > FAQs: Page 2 Additional Citi® World MasterCard® Cardmember Benefits 4Emergency card replacement outside the continental U.S. may take a minimum of 48 hours. There may be a fee associated with 24-hour card replacement. Emergency cash is limited to available cash advance limit. 5Provides assistance and referrals only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided. Refer to your Summary of Additional Program Information for complete program details. 6To take advantage of all World Elite® travel benefits provided by Virtuoso®, World Elite MasterCard® cardholders must book through Virtuoso or a Virtuoso travel advisor, and must reserve and pay in full for reservations, including deposit and final payment, with a valid World Elite MasterCard. One of the travelers must be the holder of a valid World Elite MasterCard issued in the U.S., Mexico, Puerto Rico, or the U.S. Virgin Islands. All benefit travel must commence by 12/31/11 unless otherwise noted. All benefits and offers are subject to availability, and are subject to change or cancellation without notice. Benefits may generally be redeemed multiple times, subject to specific travel supplier limitations, and are valid on new bookings only. Multiple World Elite travel benefits provided by Virtuoso may be booked, but such benefits may not be combinable with a travel supplier’s other offers. Blackout dates and additional terms, conditions and restrictions may apply. Specific travel benefits are not available for certain card programs. Please visit www.world.mastercard.com/termsofuse or contact your Virtuoso travel advisor for full program details and terms and conditions. Normal Virtuoso travel advisor fees (including planning and service fees) may apply. All Virtuoso member travel agencies are independently owned and operated, and are not controlled by Virtuoso. Virtuoso, MasterCard, World Elite MasterCard issuers and benefit suppliers are not responsible for printing or typographical errors. Travel related services are provided by or through one or more service providers and such providers and benefits, as well as the terms and conditions contained herein, are subject to change at any time by MasterCard without notice. All benefits subject to availability. MASTERCARD, WORLD ELITE and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. VIRTUOSO, VIRTUOSO LIFE, the Globe Swirl Logo, SPECIALISTS IN THE ART OF TRAVEL and VOYAGER CLUB are registered trademarks of Virtuoso, Ltd. BEST OF THE BEST is a trademark of Virtuoso, Ltd. Virtuoso, Ltd. has a U.S. copyright registration for the Globe Swirl Logo, © 2000. All rights reserved. 7Before you travel, visit www.prioritypass.com to determine if the airports you are traveling to have a participating VIP lounge that grant access to Priority Pass Select cardholders and to access program details. You will be charged per person for each visit to a participating lounge, which will be automatically billed directly to your Citi Dividend World Elite MasterCard account. Additional Citi® World Elite® MasterCard® Cardmember Benefits Contact Us © 2011 Citibank, N.A. Citi, Citibank, Citi Bonus Cash Center, The Lost Wallet, PayPass and Citi with Arc Design are registered service marks of Citigroup Inc. MasterCard is a registered trademark of MasterCard International Incorporated. citicards.com