Q: Are the monthly fees you cite per person or per family? The reason I ask is that I was recently told by Equifax that I was paying one monthly rate for monitoring my credit and one monthly rate for monitoring my wife's credit. Why? Because some of our credit cards were in her name, some in my name. I said two charges were outrageous and stopped their service. But now I wonder, since everyone's prices are about the same, whether another company would be any cheaper. What is your advice?

A: Since the three credit bureaus maintain credit files on an individual basis and do not merge the credit files of married couples, it is typical for credit report monitoring services to charge per person. As a married couple, some of your accounts and information are likely to overlap, but much of your credit history will differ, as will your credit scores. And if an identity thief were to open a fraudulent account in either your or your wife's name, it would only appear on one credit report. In order to get a clear picture of your current credit health and detect new account fraud, we would recommend that you and your wife each sign up for a credit monitoring service. Our credit report monitoring comparison chart should make it easy to determine which service best meets your needs.

Q: How do we receive a list of retailers in the Citi Bonus Cash Centers?

A: There are currently 574 retailers that provide special cash back bonuses as part of the Citi Bonus Cash Center. The full list of merchants as of April 9, 2009 is listed below. You can also see this list by visiting Citi's Bonus Cash Center online. You can also learn more about cash back credit cards from Citi and other credit card companies by visiting our cash back credit card reviews and comparison.

List of Citi Bonus Cash Center Merchants

1-800-CONTACTS 3%
1-800-FLOWERS.COM 8%
1-800-Petmeds.com 6%
1800PetSupplies 6%
6pm.com 2%
7 For All Mankind 2%
77kids 2%
A pea in the pod 4%
A&E 5%
Abebooks 2.5%
AC Lens 4%
Accor Hotels 1%
Ace Hardware 4%
Adidas 6%
Adobe 4%
ADT $150
Aerie by American Eagle 2%
Aeropostale 2%
Aerosoles 2%
AJ Madison 1%
AJWright 6%
Alloy.com 2%
Allstate $4
Amazing Clubs $5
AMC 6%
American Blooms 12%
American Eagle Outfitters 6%
Ancestry.com 20%
Anchor Blue 6%
Ann Taylor 2%
Ann Taylor LOFT 2%
Anna's Linens 4%
Apple iTunes 2%
Apple Store 1%
Appleseed's 2%
Aramark 5%
Arden B 2%
Armani Beauty 5%
Armani Exchange 6%
AT&T 6%
Austad's Golf 6%
Auto Parts Warehouse 4%
Avenue.com 2%
Avis Car Rental 2%
Avon.com 3%
Azamara Cruises 4%
Babies R Us 1.5%
Baby Catalog 4%
BabyGap 3%
Babystyle 6%
Backcountry 3%
Bagsbuy.com 10%
Ballard Designs 2%
Banana Republic 6%
Bare Necessities 4%
Bargain Catalog Outlet 2%
Barnes & Noble 6%
Barney's New York 6%
Bass Pro Shops 6%
Bath & Body Works 6%
Beauty.com 6%
Bed Bath & Beyond 6%
Belk 6%
Bellacor 4%
Benefit Cosmetics 3%
Benihana 6%
Bennigan's Grill & Tavern 6%
Bertucci's 6%
Best Buy 1%
Best Western 2%
BIGDOGS.com 5%
Black Angus Steakhouse 6%
Blair.com 6%
Blinds.com 2%
Blindsgalore 3%
Bliss 3%
Blockbuster Video 6%
Bloomingdale's 6%
Blue Mountain $30
Blue Nile 6%
Bluefly 3%
BoatersWorld.com 2%
Boca Java 8%
Boden 3%
Bon-Ton 6%
Bonsai Boy 15%
Borders Books & Music 6%
Bose 1%
Boston Market 6%
Boston Proper 1%
Bowflex.com 3%
Brooks Brothers 2%
Brookstone 6%
Brylane Home 2%
Buca di Beppo 6%
Buckle.com 6%
Budget 2%
Bugaboo Creek Steak House 6%
Buy.com 1%
BuyCostumes.com 4%
C.J. Banks 3%
C&C California 2%
Cabela's 6%
Callaway Golf 6%
Calumet Photographic 1%
Calvin Klein Underwear 2%
Candlewood Suites 3%
Capital Grille 6%
CardScan 7%
Care.com $30
Caribbean Resort Vacations 4%
Carnival Cruise Lines 4%
Casual Male XL 3%
Catherines 6%
CCS.com 2%
CDUniverse 6%
Celebrity Cruises 4%
Chadwick's 3%
Champion Catalog 4%
CharityChoice 6%
Charles Tyrwhitt 4%
Cheap Tickets $3.25
CHEF'S 4%
Cheryl & Co. 3%
Chico's 2%
Choice Hotels 2%
Christmas Lights Etc. 2%
Christopher & Banks 3%
Claim Jumper Restaurants 6%
Clinique 3%
CoffeeForLess.com 4%
Collectiblestoday 6%
Colorful Images 3%
Compactappliance.com 2%
CompUSA 3%
Converse 3%
Cooking.com 6%
Costume SuperCenter 4%
Crabtree & Evelyn 5%
Crate Barrel 6%
Crayola.com 3%
Cross Pens 4%
Crowne Plaza 3%
Crutchfield Electronics 6%
Crystal Cruises 4%
Cunard Cruiselines 4%
Current Catalog 5%
Current Labels 5%
Cutter & Buck 2%
CVS 6%
Dale and Thomas Popcorn 6%
Damon's Grill 6%
Danskin 3%
Darden Restaurants 6%
Dave & Busters 6%
David's Cookies 2%
Day-Timer 3%
Dean & Deluca 2%
dELiA*s 2%
Dell Home Systems 2%
Dell Small Business 1%
Delta Air Lines $2
Dentalplans.com $20
Design Within Reach 2%
DiabetesStore.com 3%
Diamond.com 4%
Diapers.com 1%
Dick's Sporting Goods 6%
Dickies.com 3%
Dillard's 2%
DirecTV $70
Discovery Channel Store 4%
Dockers 3%
Dollar Rent A Car 2%
Domino's Pizza Gift Cards 6%
DOTS 6%
Drs. Foster & Smith 3%
drugstore.com 6%
Eastbay 2%
Eastern Mountain Sports 2%
eBags 6%
eCost.com 1%
Eddie Bauer 6%
Edwin Watts Golf 2%
eHarmony 40%
eLUXURY 2%
Enterprise Rent-A-Car 1%
Entertainment.com 30%
EpsonStore.com 2%
Equifax 15%
ESPN Shop 3%
ESPRIT 2%
Expedia.com 1%
Exposures 2%
EXPRESS 6%
Extended Stay Hotels $3
F-y-e 6%
Fairmont Hotels 2%
Famous Footwear 6%
Famous Footwear 7%
Fandango 6%
FAO Schwarz 2%
Fashion Bug 6%
figleaves.com 4%
FineStationery.com 2%
Fingerhut 4%
Finish Line 6%
Fleurop.com 10%
Florida Resort Vacations 4%
Florsheim 3%
Flying Noodle 5%
Fogdog.com 6%
Folica.com 2%
Foot Locker 6%
Footsmart.com 7%
Fortunoff 6%
Forzieri 7%
Fossil 6%
Four Points by Sheraton 1%
FragranceNet.com 5%
FranklinCovey.com 4%
Frederick's of Hollywood 4%
Freecreditreport.com $15
Frenchtoast.com 2%
From You Flowers 15%
Frontgate 4%
FTD.com 3%
Gaiam 8%
Gap 6%
GapBody 2%
GapKids 2%
GapMaternity 2%
Gardener's Supply Company 4%
Gardens Alive 7%
Gevalia 4%
Ghirardelli Chocolate 4%
GiftBaskets.com 4%
GiftCertificates.com 6%
Gifttree.com 4%
giggle 2%
Globus Tours 4%
GNC 3%
Godiva 5%
Golfsmith 2%
Gordmans 6%
Gordon's Jewelers 2%
Grandin Road 2%
Great American Days 6%
GUESS.com 1%
H&R Block 12%
H2O Plus 4%
Hammacher Schlemmer 5%
Handango 7%
Hanes.com 2%
Hard Rock Cafe 6%
Harry & David 3%
Havaianas 7%
Hawaii Resort Vacations 4%
Hearthsong 6%
Hickory Farms 4%
Highlights Catalog 3%
History Channel.com 4%
Holiday Inn 3%
Holiday Inn Express 3%
Holland America Line 4%
Home Bistro 3%
Home Bundle 6%
Home Decorators Collection 4%
Home Decorators Collection Outlet 2%
Home Office Solutions 1%
Homedepot.com 2%
Hooked On Phonics 6%
Hotel Indigo 3%
Hotels.com 2%
Hotwire 1%
HP Home & Home Office Store 2%
HSN.com 2%
Ice.com 3%
identityTruth $15
InterContinental Hotels 3%
InterstateBatteries.com 3%
J-Crew 6%
J. Crew 2%
J. Jill 2%
J&R Computer/Music World 2%
Jack Box 6%
Jackson & Perkins 3%
JCPenney 2%
Jessica London 2%
Jockey 4%
Johnston & Murphy 5%
Jos. A. Bank 4%
Just Because Baskets 5%
Just My Size 3%
Kaplan Test Prep 1%
Karmaloop 4%
Kids Bundle 6%
Kids Foot Locker 4%
Kiehl's 4%
King Size Direct 3%
KlinQ.com 4%
Kmart.com 2%
Kodak 2%
Kodak EasyShare Gallery 7%
Kohl's 1%
L.L. Bean 6%
L'Occitane 3%
Lab Series 3%
Lady Foot Locker 4%
Lamps Plus 3%
LAN Airlines 1%
Lancome 3%
Land of Nod 3%
Lands' End 6%
Lane Bryant 6%
Lane Bryant Catalog 3%
LeapFrog 2%
Leaps and Bounds 3%
Legal Ace 4%
Legal SeaFoods 6%
LegalZoom.com 10%
Lego Shop at Home 1%
Lenovo 1%
Lenox 5%
Lids.com 6%
Lifelock.com $20
Limited Too 4%
Limoges Jewelry 5%
Little Tikes 2%
Lobster Gram 6%
LongHorn Steak 6%
Lord Taylor 6%
Lucky Brand Jeans 1%
Luggage Online 4%
Lumber Liquidators 4%
Macys.com 6%
Magazines.com 6%
Magic Cabin Dolls 4%
Marciano by GUESS 2%
Marriott 6%
Marriott Vacation Club International 1%
Marshalls 6%
Martin + Osa 2%
Match.com 35%
Maxstudio.com 4%
Men's Wearhouse 6%
Merry Maids 6%
Mexico Resort Vacations 4%
Microsoft Store 3%
Mikasa 3%
MLB.com 4%
Modell's 3%
Mondera.com 2%
Motherhood 6%
MR. BEER 15%
Mrs. Fields' Original Cookies 4%
MS Seafood 6%
Music Bundle 6%
Music123 2%
Musician's Friend 2%
MusicSpace.com 2%
My Wines Direct 7%
MyFLAVIA 4%
MyStrollers.com 3%
NASCAR.com 6%
National Amuse 6%
National Pet Pharmacy 3%
NBA Store 3%
Netflix $15
New York & Company 6%
Newegg.com 1%
Newspaper Subscription Services 18%
NFL Shop 6%
NHL Shop 4%
Nickelodeon 4%
Nike 6%
Ninety Nine 6%
Norm Thompson 1%
Northern Tool and Equipment 6%
Norwegian Cruise Line 4%
NutriSystem.com 7%
O'Charleys 6%
Office Depot 1%
OfficeMax.com 2%
Old Navy 6%
Omaha Steaks 6%
One Stop Plus 2%
Oneida 3%
OneShare.com $5
OneStepAhead 3%
Onlineshoes.com 5%
Orbitz $3
Oreck 3%
Oriental Trading Company 2%
Origins 4%
Orvis 2%
Outdoor Decor 5%
Overstock.com 6%
Overton's 1%
Pacific Sunwear 3%
Palm Restaurant 6%
Palm Store 3%
Panera Bread 6%
Paper Direct 5%
Payless Shoes 6%
PC Connection 2%
Pep Boys 6%
Performance Bike 2%
Perfumania 4%
Pet Food Direct 3%
PetCareRX 5%
PETCO.com 6%
PETsMART.com 4%
Philips 1%
Pier1 6%
Piperlime 5%
Plow and Hearth 5%
Pottery Barn 6%
Pottery Barn Kids 6%
Pottery Barn Teen 2%
Prescriptives 3%
Priceline.com – Airfare 1%
Priceline.com – Hotels 1%
Princess Cruises 4%
Proflowers.com 4%
QuickBooks 3%
Quicken 7%
QVC 1%
RadioShack 1%
RalphLauren.com 2%
RazorGator 4%
Reader's Digest Store 6%
Red Envelope 6%
Regal Entertainment 6%
Regent Seven Sea Cruises 4%
Regis Salons 6%
REI 6%
Relax The Back 2%
Restaurant.com 10%
Restoration Hardware 6%
RitzCamera.com 1%
Road Runner Sports 4%
Roaman's 3%
Rochester Big & Tall 4%
Rock Bottom Restaurant 6%
Rosetta Stone 5%
Ross-Simons 2%
Royal Caribbean International 4%
S&S Worldwide 3%
Sahalie 3%
Saks Fifth Avenue 6%
Sally Beauty 6%
Samsonite 3%
Sandals & Beaches Resorts 2%
Scholastic Store 5%
Seabourn Cruises 4%
Sears.com 2%
Sephora.com 6%
Sheraton 1%
Shoebuy.com 9%
Shoes.com 7%
Shop Comedy Central 2%
Shop VH1 2%
Shop4Tech 3%
Shopbop.com 3%
ShopKitchenAid.com 5%
ShopNBC 2%
Shutterfly 5%
Sierra Trading Post 2%
SIRIUS $12
Skype $25
SmartBargains.com 3%
Smith & Hawken 4%
Smith+Noble 2%
Snapfish 8%
SolutionsCatalog.com 2%
Soma 4%
SONIC 6%
Sony 6%
Southwest Airlines Vacations 2%
SpaFinder.com 6%
SpaWish.com 6%
Speedo 2%
SpiritHalloween.com 2%
Sports Authority 6%
Springhill Nursery 7%
Staples.com 6%
Starbucks Store 5%
Staybridge Suites 3%
Steelcase Store 3%
Steve Barrys 6%
StonewallKitchen.com 3%
Store.HBO.com 3%
Stub Hub 3%
Sunglass Hut 6%
Super Warehouse 1%
Sur La Table 5%
Symantec 7%
T. J. Maxx 6%
Talbots 6%
Target.com 2%
Tauck World Discovery Tours 4%
Teleflora 4%
Terry's Village 3.5%
Teva 4%
Textbooks.com 2%
The Artful Home 3%
The Body Shop 5%
The Children's Place 2%
The Company Store 1%
The Container Store 3%
The Golf Warehouse 2%
The Great Indoors 1%
The Limited 6%
The North Face 2%
The Popcorn Factory 3%
The Walking Company 6%
The Wall Street Journal 25%
The Wine Enthusiast 4%
The Wine Messenger 5%
Thermaclear.com 5%
Things Remembered 3%
Thomas Pink 4%
TicketsNow.com 6%
TigerDirect 6%
Timberland 6%
Timbuk2.com 4%
Tire Rack 2%
TiVo $10
Tog Shop 2%
Tony Romas 6%
Toshibadirect.com 1%
Toys R Us 1%
Travelocity.com 1%
Turbo Tax 5%
Ultradiamonds.com 6%
Unbeatable Sale 5%
UncommonGoods 5%
Under Armour 4%
United Airlines – Air $1
United Airlines – Hotels $1
Uno 6%
Upper Deck Store 4%
Urban Outfitters 2%
USA TODAY $11
ValueMags.com 22%
Vans 2%
Vera Bradley 3%
Verizon DSL $17
Vermont Teddy Bear 3%
Victoria's Secret 2%
Virgin Atlantic Airlines 1%
Vision Direct 4%
VistaPrint.com 4%
Vitamin Shoppe 6%
Vonage $17
Walmart 1%
Weight Watchers $6
west elm 1%
Westin 1%
Wet Seal 2%
White House Black Market 2%
Williams-Sonoma 6%
Wind & Weather 6%
Windstar Cruises 4%
Wine.com 3%
Wolf Camera 1%
Woman Within 2%
Woolrich 2%
Wyndham $4
YOOX.com 5%
Yves Rocher 7%
Zagat Survey $9
Zales 6%