Citi® Platinum Select® MasterCard®
issued by Citibank |
 |
Overall Rating
Benefit Rating
|
Apply online for this card or
read on for a full review of all the features.
|
 In-Depth Credit Card Review |
This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar.
The Citi® Platinum Select® MasterCard®, issued by Citibank, is designed for those with good credit who would like to take advantage of the various standard services and benefits provided by Citibank.
This card has a reasonably low variable interest rate for purchases and balance transfers, no annual fee, and an attractive 0% introductory rate that can be applied toward purchases and balance transfers for 6 months.
It is important to note that there is a minimum cap for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the variable interest rate will not go below the minimum cap.
The card does provide several platinum cardholder benefits that include auto rental insurance and fraud protection services. However, there are no extraordinary benefits or services specifically available to cardholders in comparison to some other platinum credit cards.
Therefore, those who plan to take advantage of the introductory offers and the services provided will benefit most from what the Citi® Platinum Select® MasterCard® has to offer.
Most Attractive Feature: 0% introductory rate; reasonable variable APR for purchases; no annual fee.
Least Attractive Feature: Higher variable APR for less qualifying applicants.
 |
Note: The review of this Citibank card was updated on 08/24/2009 and is believed to be accurate during the update,
however, information posted may have since changed. We strongly suggest that you carefully read the Terms and
Conditions statement that accompanies the credit card application
|
|
| Key Card Information |
| Introductory Rates and Terms |
| Intro Rate: | 0% APR for 6 Months |
| Applied Towards: | Purchases, Balance Transfers |
| Details: | The introductory rate is available on purchases and balance transfers for 6 months. | | Miscellaneous Rates and Terms |
| Credit Limits: | n/a (Maximum) |
| Purchases APR: | As low as 11.99% V | | Cash Advance APR: | 21.99%V There is a minimum APR on cash advances. | | Finance Config: | Average Daily Balance (including new purchases) | | Grace Period: | 20 Days (Min.) | | Fees Associated with this Card |
| Annual Fee: | $0 |
| Add. Cardholders: | $0 |
| Late Payment Fee: | $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over |
| Over-the-Limit Fee: | $39 | | Cash Advance Fee: | 3% of each cash advance; $5 minimum |
| Balance Transfers: | 3% of each balance transfer; $5 minimum |
| Additional Highlights of Interest |
Special Card Benefits and Features
-
Various Internet account related services.
-
Reports to all major credit bureaus to help you establish your credit history.
-
Citi Identity Theft Solutions.
-
$0 liability on unauthorized purchases.
-
Secure, free online account management.
-
Auto rental insurance.
-
Fraud and security protection services.
-
Lost wallet service.
-
Lost and stolen card reporting.
-
Emergency card replacement.
-
Emergency cash replacement.
-
Optional personal photo on card.
-
Various travel and emergency assistance services.
-
Medical referral services.
-
Legal referral services.
-
See website for additional benefits.
Important Notes Regarding This Offer
The APR for purchases and balance transfers varies according to the applicant\'s credit history and will be as low as 11.99%, 15.99%, or 19.99%.
The minimum variable APR for cash advances is 21.99%.
See website for complete terms and conditions of card usage and application disclosure. |
|
|
