Seems like a decent deal for a credit card.
No annual fee. Read the fine print though, as there are some restrictions, bla bla.....

http://www.citibank.com/us/cards/.../index.htm

0% APR on balance transfers for 12 months.*

Earn cash back on everything†–a full 5% cash back on purchases at supermarkets, drugstores and gas stations, plus 1% on all other purchases.

Earn $5 cash back for every individual balance transfer transaction of $1,500 or more.

Earn unlimited cash back by shopping within the Citi Dividend
Merchant Network.

No annual fee.

Citi Identity Theft Solutions

$0 Liability on unauthorized purchases

Secure, free online account management

TERMS AND CONDITIONS:

†CITI® DIVIDEND PLATINUM SELECT® CARD REWARD PROGRAM INFORMATION
Your Citi Dividend Card account (“Card Account”) will receive a rebate based upon eligible transactions appearing on your current month’s billing statement. Such eligible transactions include purchases, cash advances and balance transfers, which will show cumulatively on your statement as “Dividend Dollars”, as long as your Card Account is open and current. (Rebates on cash advances and balance transfers may take up to three billing cycles before they appear on your billing statement.) However, if your Card Account is no longer current, you will not be able to earn or redeem Dividend Dollars. If your Card Account is closed, you will no longer be able to earn or redeem your Dividend Dollars and unless you reopen your Card Account within 90 days of closure, you will forfeit any accumulated Dividend Dollars.

You will earn 5% on purchases made at supermarkets, drugstores and gas stations and 1% on all other purchases. Supermarkets are defined as stand-alone merchants that primarily sell a complete line of food merchandise for home consumption. Drugstores are stand-alone merchants that primarily sell prescription and proprietary drugs and nonprescription (over-the-counter) medicines. Gas stations are merchants that primarily sell vehicle fuel for consumer use.

Purchases not eligible to receive the 5% rebate include, but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores. In addition, online, catalog, mail order and telephone purchases are not eligible to receive a 5% rebate unless the merchants identify the transactions as being made at a supermarket, drugstore or gas station. We do not determine whether merchants correctly identify and bill transactions as being made at a supermarket, drug store or gas station. However, we do reserve the right to determine which purchases qualify for the 5% rebate.

You will earn 1% on cash advances and cash convenience check amounts billed at the standard cash advance rate. Cash advances and cash convenience checks billed at a promotional rate will not receive a rebate unless specified otherwise. You will receive five Dividend Dollars for each individual balance transfer transaction, including individual balance transfer transactions made with balance transfer checks of $1,500 and greater.

You may accumulate a maximum of 300 Dividend Dollars in any calendar year (eligible transactions appearing on your January – December billing statements). Dividend Dollars earned on purchases through the Citi Dividend Merchant Network are not subject to the $300 calendar year maximum accumulation.

Citi Dividend cardmembers must be registered for Account Online and must activate their Citi Dividend Merchant Network account to be eligible to earn Dividend Dollars on purchases made through the Citi Dividend Merchant Network.

As soon as you’ve earned 50 Dividend Dollars or more, call us at 1-866-676-4672 or visit www.citicards.com so that we may send you a check for the total accumulated Dividend Dollar amount shown on your monthly billing statement. We cannot issue you a check unless you contact us. Checks cannot be issued for amounts less than $50 unless you’ve already received checks totaling more than $250. Cardmembers must be registered for Account Online in order to request a check at www.citicards.com.

Returned purchases, disputed or unauthorized/fraudulent transactions, finance charges, and Card Account fees do not earn a rebate unless otherwise specified.

You are responsible for any taxes that may be due on checks we may send you for your Dividend Dollar balances. Dividend Dollars have no cash value until such time as you may request and receive a check for your accumulated Dividend Dollars and you shall have no property rights or other legal interest in Dividend Dollars. You may not assign, transfer or pledge your Dividend Dollars.

We may revise any of these Citi Dividend Card Terms and Conditions at any time with 30 days prior written notice.


*As long as first balance transfer is completed within 12 months of date of account opening, the balance transfer APR is 0% for 12 months from the date of the first balance transfer. After the promotional period ends, your standard purchase APR for purchases will be applied to any unpaid balance transfer and promotional purchase balances. As of May 6, 2005, the standard variable purchase APR is 11.49%. The standard variable cash advance APR is 20.99%. However, all your APRs may automatically increase up to the 29.99% variable default rate if you default under any Card Agreement that you have with us. Min. finance charge: $0.50. For each purchase made in a foreign currency, we add an additional FINANCE CHARGE of 3.0% of the amount of the purchase after its conversion into U.S. dollars. This foreign currency transaction fee will be added to the appropriate purchase balance with the foreign currency purchase. The foreign currency transaction fee may cause the annual percentage rate on the billing statement on which the purchase made in a foreign currency first appears to exceed the nominal annual percentage rate. The transaction fee for cash advances is 3% of the amount of each cash advance, $5 minimum. The transaction fee for balance transfers is 3% of the amount of each balance transfer, $5 minimum, $75 maximum. However, there is no balance transfer transaction fee on balances you transfer in response to this offer. The annual membership fee is $0.

© 2005 Citibank (South Dakota), N.A. Citi, Citibank, Platinum Select and Citi with Arc Design are registered service marks of Citicorp.

MasterCard® is a registered trademark of MasterCard International Incorporated.