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Terms and Conditions of Offer

  • This offer is only valid for new accounts. You must be at least 18 years of age. If you are married, you may apply for a separate account. Citibank, N.A. is the issuer of your BrandSource credit card account. Citibank, N.A. is located in Sioux Falls, SD.
  • Federal law requires us to obtain, verify and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. To process the application, we may ask for identifying documents from you as well.
  • We may gather information about you, including from your employer, your bank, credit bureaus, and others to verify your identity and determine your eligibility for credit, renewal of credit, and future extensions of credit. if you ask us we will tell you whether or not we requested a credit bureau report, and the names and addresses of any credit bureeaus that provided us with such reports.
  • You authorize us to share with BrandSource and its affiliates , experiental and transactional information regarding your account.
  • To receive a BrandSource Credit Card, you must meet our credit qualificatoin criteria. Your credit limit will be determined by the income listed on your credit report. You will be informed of the amount of your credit limit when you receive your card.
  • Please see Card Agreement for important information.

Notice to Ohio Residents:The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Wisconsin Residents:No marital property agreement , unilateral statement or court decree adversely affects our rights, unless you give us a copy of such an agreement, statement or court order before we grant you credit, or we have actual knowledge of its terms before your account is opened.


Deferred Interest Promotional Offers on the BrandSource Credit Card

From Time to Time, as a BrandSource cardholder you may be offered special limited time only defered interest promotional offers. Deferred interest promotional offers include the following types of offers:

- No Interest if Paid in Full in 6 Months, Monthly Minimum payments Required

- No Interest if Paid in Full in 12 Months, Monthly Minimum Payments Required

- No Interest if Paid in Full in 18 Months, Monthly Minimum Payments Required

- No interest if Paid in Full in 24 Months, Monthly Minimum Payments Required


If the balance is not paid in full by the end of the promotional period, interest charges will be imposed from the purchase date at the variable purchase rate on your account which is 29.49% APR. This APR is as of 10/1/2013 and will vary with the market based on the Prime Rate. 

These  offers are not available all the time and may be limited to specific merchandise and/or have a minimum payment and purchase requirements as disclosed in the offer.

Your Card Agreement, the terms of the offer and applicable law govern these transactions including increasing APRs and fees and termination of the promotional period.