I've been researching online all about this card. What I've come up with so far is that: -they do report the card to the credit agencies as personal credit -you can convert one of citi's consumer cards to the professional card; but can't convert back (to a consumer card, i assume). Also, on the site's terms & conditions: "Citi ProfessionalSM Cash Card is considered a business purpose credit card and not a consumer credit card. Please note that certain consumer rights do not apply to this account." questions: 1) Do you think that in the future, they would allow the conversion back to a consumer card? I read that they approved the up-conversion like, last year. 2) What consumer rights would I be losing? Does that mean that I can't dispute a charge on the card? List a couple of specifics; I sorta visited the federal government's site about consumer rights. -I've read that it goes on your credit report as personal credit; if that is so, then why the remark about not having consumer rights? -I was thinking of converting my current 'dividend' card to the 'professional' cash card to get 3% rebate rewards in more categories rather than the 2% on the 'dividend ' card. -Either the professional cash back card or the chase freedom card is what I'm considering [which I've read doesn't report your credit limit to the credit bureaus].