Citi® Platinum Select® MasterCard®
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Citi Plaintum Select MasterCard Review
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 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 six 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 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 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.
Review Date: 6/23/2009
Most Attractive Feature(s): Long term 0% introductory rate; reasonable APR for purchases; no annual fee.
Least Attractive Feature(s): Higher APR for less qualifying applicants.
Additional Citi Platinum Select Perks
- 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.
- Up to $1,000,000 in travel accident insurance.
- 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 Notations
- 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 APR for cash advances is 21.99%.
- See website for complete terms and conditions of card usage and application disclosure.
Note: The review on this card was updated on 6/23/2009. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
Here is a summary of what the Citi Platinum Select MasterCard offers:
