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Home > Other > Citi PremierPass

Citi PremierPass

5,000 bonus points after your first purchase is made within 60 days of account opening
No annual fee
Low APR on balance transfers for 12 months
Earn 1 Flight Point for every 3 miles you fly on any airline— or anyone else whose ticket you buy with the card.
Earn 1 Purchase Point for all purchases
ThankYou Network
* See Terms and Conditions

Introducing Citi PremierPass
The first and only card that gives you ThankYou Points(sm) for the things you buy and the miles you fly on any airline with no blackout dates.

The ONLY CARD that gives you ThankYou Points(sm) for:

  • Things you buy
  • Miles you fly
  • Miles friends and family fly
  • Plus continue to earn miles in the Frequent Flyer Programs you are enrolled in
  • 5,000 bonus points after your first purchase is made within 60 days of account opening


Apply now Back


Depending on which company supplies your credit card and which credit card you have, you are likely to have access to a whole range of additional services that come along with your credit card. These will be different for all credit card providers who each offer their own benefits and advantages to their customers.

Some credit cards will offer you special discounts or benefits from specific stores or companies. So you may for example get a discount for all purchases you make from a specific company. This will especially be the case if the credit card provider is in some way affiliated with a store or major retailer.

Another benefit you may get from your credit card is when you rent a car. Many credit card companies will offer you car rental insurance when you use the card to pay for the car rental. The same may be true of booking flights or other travel purchases. A benefit of the credit card may that it provides you with free travel insurance. These are especially popular with American credit cards.

Loyalty schemes may give you points, air miles, or some other form of reward for every pound you spend with your credit card. So simply by using your credit card, you will be collecting loyalty points that will soon add up. You can then use them to claim a cash refund or some other reward. If you are collecting air miles than you will be able to use them to book free plane tickets or upgrade your flights to business or first class.

One of the other big advantages of making a purchase with your credit card is that the credit card company will have to guarantee the quality of the item you purchase. So if, for example, you buy a sweater with your credit card, and it turns out to be of defective quality, then you will have two options, you can go to the seller of the sweater for a refund. But sometimes you will be unable to seek a refund from the retailer, such as if you bought it from somewhere far away from where you live, or you cannot get a refund from the retailer for whatever reason, in this circumstance, you can instead turn to the credit card company and claim the refund from them instead. This is a major advantage of using your credit card to pay for purchases.

Peter Kenny is a writer for creditcards-gb

For additional articles and an extensive resource for everything about credit cards, please visit us at and

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So you have an idea for an invention? What do you do now? The most successful hair accessory in history, the TopsyTail, made 100 million dollars. This did not happen by miracle or chance. The key was a well-conceived and executed plan. Following an informed approach will help you turn your invention into a bonanza of extra income.

Getting Started:

The Ideabook Keep a bound ideabook of your invention idea. Date your entries. Draw it. State what it is, how it’s done and for whose use? Examine possible variations. Add and define over time.

Get it Notarized If your idea still seems brilliant after a month or two, get it officially confirmed that you conceived your invention idea on a particular date, and have your notes notarized. This may help if you, at some point, need to prove that you were ‘first to invent’ that idea.

Seek and Search Do your own patent search to ascertain if your invention is original and prospectively patentable. Go on the internet to and study all patents in the product category of your invention to see if something like yours already exists. Better yet, use a professional patent searcher who will do a thorough search and may advise the patentability of your invention. Go to an inventor’s association, books on inventing, or websites such as, to find resources.

Create the Initial Prototype Use simple materials to rig it up, to see if it works. Some of the most successful consumer inventions today started as pipe cleaner, coat hanger wire or foam rubber embryos.

Get Educated Educate yourself on the inventing process. Go to a bookstore or and review the plethora of books written on the subject. From Patent to Profit by Bob De Matteis is particularly informative.

The Non-Disclosure Form This is an Agreement signed between you and anyone you reveal your invention to. It states that the information and materials belong to you and cannot be used without your written permission. It allows you to show your invention to parties who might be helpful in bringing your product to market such as prototypers, product evaluation services, manufacturers, packaging designers, licensing agents and marketers. Variations of the Non-Disclosure form are easily accessible in invention books and on the web.

Moving Ahead

Analyze Costs to Produce Ascertain what the costs will be. Research domestic and foreign resources. Add up all costs to manufacture a unit of your product. Include molds, packaging, naming and trademarking, promotion, marketing, distribution and mark-up. Seek sources through the Thomas Register, libraries, the yellow pages, the web, Chambers of Commerce, foreign trade bureaus and referrals.

The Evaluation Process Analyze the benefits and features, strengths and weaknesses of your invention. Can it have longevity in the marketplace? Is its timing aligned with market trends? Research the size of the potential market. Identify your competition. Question why a retailer would buy your product if they can do business with experienced, multi-product, well financed suppliers, who may take back unsold products and replace them with ongoing new items? Visit the marketplace and talk with managers and consumers. If your product represents a significant improvement or simplification in the way that something is currently done, you have a better chance of breaking through to success.

Get a Professional Prototype Have professional prototypes made, the quality of which can be shown to potential retail buyers. For sourcing suggestions, see ‘Analyze Costs to Produce’.

Protect Your Idea Apply for a provisional patent yourself. This can be done by downloading the application from the patent office website: The provisional patent will secure patent pending status for the invention for one year during which time you must apply for a non-provisional patent, if desired, or lose the option to get the invention patented. Using a patent attorney to make the application for the provisional patent secures more complete specifications of the invention and lays the groundwork for an effective non-provisional patent application.

The Non-Provisional Patent Your patent attorney files your non-provisional patent application. If the patent is rejected on examination by the patent office, as most are, the attorney will respond with revisions. This may reoccur several times before your patent is finally granted or rejected. This process can take up to two years. If a patent is issued it becomes your personal asset for twenty years. Like other assets, you can lease or sell it to earn income.

To Market, But How?

Licensing The inventor has the choice to license the invention to a manufacturer in exchange for a royalty percentage in sales. Typically, an inventor can expect to receive royalties of between 3 to 7 percent of net sales. The most efficient way to secure a licensing agreement is to hire a licensing agent with expertise in the field of your invention. The licensing agent is conversant in the language and varieties of licensing agreements, can advise you on options and help negotiate the agreement. Licensing agents ordinarily charge between one-third and one-half of your royalty fees. Royalties are an excellent way to create supplementary income.

Manufacturing Manufacturing and distributing your invention entails higher financial risk but can reap greater profits. If you have the time, financing, manufacturing connections, a storage and distribution point, bookkeeping and legal skills or assistance, sales and marketing channels and mainly the desire to be your own boss; this may be the route for you. Teaming with specialists and hiring outside salesrepresentatives to grow your business can create economies of scale. Successful manufacturing and distribution of a protected product can provide you with active income.

Joan Lefkowitz, the marketer of TOPSYTAIL tm, is president of ACCESSORY BRAINSTORMS, NYC, a licensing agent, consultant and sales-representative for hair and cosmetic accessory and lifestyle inventions. She writes and gives seminars on 'How to Market Your Invention' and can be reached at 212-971-7300 or on the web at

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