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Credit Card Reviews » Citi® Platinum Select® Visa® |
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In-Depth Credit Card Review: |
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If you are looking for a credit card offer with zero interest rates and no annual fee, the Citi® Platinum Select® Visa®, issued by Citibank, is designed for you. It is an amazing credit card for people with good credit history. Having the Citi® Platinum Select® Visa® in your pocket, you can make interest-free purchases or reduce your current APR and pay off your debt sooner.
The Citi® Platinum Select® Visa® comes with an attractive 0% introductory rate that can be applied toward purchases and balance transfers for up to twelve months. Annual percentage rate is the main feature that determines the cost of your borrowing. The lower APR is, the less interest on your credit card balance you will pay.
Choosing a plastic that provides 0 % APR on balance transfers and purchases, you kill two birds with one stone. First of all, you will be able to shift your debt from a high APR credit card to the less-costly Citi® Platinum Select® Visa® and therefore cut down your credit bills.
Then, the Platinum Select® Visa® lets you make any purchases without incurring interest for up to 12 months. It is a great way to save money on all your purchases, no matter what you buy: everyday necessities or expensive goods.
Even though you cannot lock in 0 % APR for the whole life of your account, it doesn't mean that your credit card will not be beneficial when the introductory period is over. The Citi® Platinum Select® Visa® offers you as low as 7.99% interest rate thereafter. It lets you enjoy great APR on purchases and pay off your remaining balance on enticing terms when the interest-free period expires.
Zero interest rates are not the only feature of the Citi® Platinum Select® Visa® that will make your borrowing costs low. The credit card comes with no annual fee. Thus, you can save money on annual maintenance of your plastic.
In addition to the above benefits, the Citi® Platinum Select® Visa® provides emergency assistance services, protection against fraudulent transactions, 24/7 customer support and Citi Identity Theft Solutions. Free online account management enables you to securely view your balance, statement, payment due date and recent transactions.
The Citi® Platinum Select® Card is an excellent match for people who want to have a credit card with low borrowing costs. So don't wait – apply online and take advantage of the beneficial features this credit card offers!
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| (Review Updated: October 10, 2008) |
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0% Intro APR on Purchases, Balance Transfers for 12 months
as low as 7.99% Regular Variable APR for Purchases
19.49% Regular Variable APR for Cash Advances |
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20 days Grace Period |
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| (* 0% APR on BT and Purchases for up to 12 months) |
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| Finance Configuration: Average daily balance (including new purchases) |
| Additional Cardholders: n/a |
| 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 |
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| Additional Features for Citi® Platinum Select® Visa®: |
Online Services, including account management, statements, unbilled activity, and faster payments.
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| Important Notes for Citi® Platinum Select® Visa®: |
See website for complete terms and conditions of card usage and application disclosure.
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| Notes: The review on Citi® Platinum Select® Visa® was updated on October 10, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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