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Credit Card Reviews » Citi® Platinum Select® Card for College Students |
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In-Depth Credit Card Review: |
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The Citi® Platinum Select® Card for College Students, issued by Citibank, is designed for those students who have a somewhat established credit history as this is a platinum credit card.
The interest rate for purchases and balance transfers is average for a student credit card, and there is no annual fee. Cardholders will also be able to take advantage of a 0% introductory rate that applies to all transactions for the first six months of membership (a rare benefit for a student credit card). However, 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 many Citibank platinum credit cards, cardholders can expect access to a variety of benefits that include up to $1,000,000 in travel accident insurance, auto rental insurance, fraud protection services, and various travel and emergency assistance services. In addition, the card offers students special discounts at select merchants and retailers.
Therefore, students who can afford to pay in full each month after the introductory rate expires (to avoid finance charges) and plan to take advantage of the student-related discounts will benefit most from what the Citi® Platinum Select® Card for College Students has to offer.
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| (Review Updated: May 05, 2008) |
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0% Intro APR on Purchases, Balance Transfers for 6 months
10.99% 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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| (* 0% APR for 6 months on purchases, cash advances and balance transfers) |
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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. There is no fee with the 0% APR balance transfer offer described above. |
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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 for College Students: |
Various Internet account related services.
$0 liability for unauthorized purchases.
Identity theft solutions.
Automatic bill payments.
Access to credit education tips and tools.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Optional personal photo on card.
Fraud and security protection services.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Year-end financial statement (upon request).
Medical referral services.
Legal referral services.
Various travel and emergency assistance services.
Discounts on auto rentals.
Discounts for students on products and services at participating merchants and retailers.
See website for additional benefits. |
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| Important Notes for Citi® Platinum Select® Card for College Students: |
No minimum income or cosigner required.
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 for College Students 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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