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Citibank »
Credit Card Reviews » Citi® Platinum Select® Card® |
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In-Depth Credit Card Review: |
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The Citi® Platinum Select® Card®, issued by Citibank, is designed for those with fair to good credit or those looking to establish credit history.
This card has a slightly above average interest rate for purchases and balance transfers, but it does offer a 0% introductory APR on purchases for the first six months. There is also no annual fee.
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 interest rate will not go below the minimum cap.
The card does provide several platinum cardholder benefits that include auto rental insurance, fraud protection services, and up to $1,000,000 in travel accident insurance. However, there are no extraordinary benefits or services specifically available to cardholders in comparison to some other platinum credit cards.
Therefore, those with fair to good credit who plan to take advantage of the introductory offer and the services provided will benefit most from what the Citi® Platinum Select® Card® has to offer.
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| (Review Updated: May 05, 2008) |
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0% Intro APR on Purchases, Balance Transfers for up to 12 months
as low as 8.49% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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25 days Grace Period |
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| (* 0% APR on balance transfers and purchases for up to 12 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: None |
| Additional Nones: n/a |
| Bonus Nones First Purchase: n/a |
| Bonus Nones Other: n/a |
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| Additional Features for Citi® Platinum Select® Card®: |
Various Internet account related services.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
No liability for unauthorized transactions.
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. |
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| Important Notes for Citi® Platinum Select® Card®: |
| See website for complete terms and conditions of card usage and application disclosure. |
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| Notes: The review on Citi® Platinum Select® Card® 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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