Top-Rated Credit Cards for 2011

• Limited Time Offer - $0 Balance Transfer Fee!^±
• 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%.^±
• 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.^±
• Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com.
• Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report).
• 24/7 access to a U.S. - based Account Manager within 60 seconds.
• $0 Fraud Liability plus automatic mobile and email fraud alert options.
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee.
• ^±Click apply to view rates, fees, rewards, limitations and other important information.
• Unlimited cash rewards that never expire.
• Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners.
• Flexible redemption options - Choose from Partner gift cards, merchandise, Discover gift cards, charity, or cash.

• 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.²⁶

• 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
• No annual fee.²⁶
• Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more.
• Citi® Identity Theft Solutions.
• Secure, free online account management.

• $200 cash back after $500 in purchases within the first 3 months of account opening.
• No Annual Fee.²⁶
• 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. To learn more, visit dividend.quarterlyoffer.citi.com.
• 5% average cash back at select merchants through Citi Bonus Cash Center®.
• Full 1% cash back on eligible purchases and cash advances.

• 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%.^±
• 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.^±
• Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com.
• Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report).
• 24/7 access to a U.S. - based Account Manager within 60 seconds.
• $0 Fraud Liability plus mobile and email fraud alert options.
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee.
• ^±Click apply to view rates, fees, rewards, limitations and other important information.
• Unlimited cash rewards that never expire.
• Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners.
• Flexible redemption options - Choose from Partner gift cards, merchandise, Discover gift cards, charity, or cash.

• 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
• No annual fee.²⁶
• 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more.
• Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®.
• $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.

• Build credit for your future with responsible use.
• Monitor your spending with free e-mail and text message alerts.
• Automatic reporting to the 3 major credit bureaus.
• Access your account 24/7.
• $0 Fraud Liability if your card is lost or stolen.
• Image Card - personalize your card with an image of your choice.
• Find pre-qualified card offers in 60 seconds without affecting your credit score.

• 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%.^±
• 2% automatically at gas stations and restaurants all year long.^±
• Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com.
• Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report).
• 24/7 access to a U.S. - based Account Manager within 60 seconds.
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee.
• ^±Click apply to view rates, fees, rewards, limitations and other important information.
• Unlimited cash rewards that never expire.
• Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners.
• Flexible redemption options - Choose from Partner gift cards, merchandise, Discover gift cards, charity, or cash.
• $0 Fraud Liability plus mobile and email fraud alert options.

• $0 intro annual fee for the first year; $19 after that.
• Image Card - personalize your card with an image of your choice.
• $0 Fraud Liability if your card is lost or stolen.
• Monitor your spending with free text message alerts.

• 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%.^±
• 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%.^±
• 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.^±
• Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report).
• 24/7 access to a U.S. - based Account Manager within 60 seconds.
• $0 Fraud Liability plus automatic mobile and email fraud alert options.
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee.
• ^±Click apply to view rates, fees, rewards, limitations and other important information.
• Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com.
• Unlimited cash rewards that never expire.
• Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners.
• Flexible redemption options - Choose from Partner gift cards, merchandise, Discover gift cards, charity, or cash.