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Credit Card Reviews » Citi® Home Rebate Platinum Select® MasterCard® |
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The Citi® Home Rebate Platinum Select® MasterCard®, issued by Citibank, is designed for those with very good credit who plan to take advantage of the rebates, which help cardholders pay for their personal mortgages.
Through the reward program, cardholders earn a full 6% rebate per dollar spent on telecom services; computer network/information services; cable, satellite, and other pay TV and radio services; and utilities for the first six months of membership, and they earn 1% per dollar spent after the introductory period and on all other purchases. The rebate is earned in the form of "Home Mortgage Rebates" that will be applied against the outstanding mortgage principal. There is no limit to the amount of rebates that may be earned, and rebates do not expire.
The APR for purchases and balance transfers is reasonably low, there is no annual fee, and there is a 0% introductory rate available for balance transfers for twelve months.
However, it is important to note that there is a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.
As with most Citibank credit cards, cardholders can expect access to a variety of platinum benefits that include up to $1,000,000 in travel accident insurance and fraud protection services.
Therefore, those who will take advantage of the introductory offer, would like the option to carry a balance, and will be able to take advantage of the mortgage rebates will benefit most from what the Citi® Home Rebate Platinum Select® MasterCard® has to offer.
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0% Intro APR on Balance Transfers for 12 months
9.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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20 days Grace Period |
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| (* The introductory rate is available on balance transfers submitted during the first twelve months) |
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| Finance Configuration: Average daily balance. This includes new purchases. |
| Additional 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 Transfer Fee: 3% of each balance transfer; $5 minimum |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Rebate |
| Rebate Minimum: 1% |
| Rebate Maximum: 6% |
| Additional Rebates: Earn a full 6% rebate per dollar spent on the following purchases for the first six months of account membership: telecom services; computer network/information services; cable, satellite, and other pay TV and radio services; and utilities. |
| Bonus Rebates First Purchase: n/a |
| Bonus Rebates Other: n/a |
| Expiration: None |
| Yearly Limit: None |
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| Additional Features for Citi® Home Rebate Platinum Select® MasterCard®: |
Various Internet account related services.
No liability for unauthorized purchases.
Identity theft solutions.
Fraud and security protection services.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Automatic bill payments.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Various travel and emergency assistant services.
Medical referral services.
Legal referral services.
Lost luggage assistance.
Discounts on auto rentals.
Year-end financial statement (upon request).
See website for additional benefits. |
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| Important Notes for Citi® Home Rebate Platinum Select® MasterCard®: |
See website for complete terms and conditions of card usage and application disclosure.
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| Home » Apply for a Credit Card » Special Interests » Finance Rewards |
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| Notes: The review on Citi® Home Rebate Platinum Select® MasterCard® was updated on May 05, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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