Citi® Platinum Select® Card, Editor Reviewed at CompareCards.com

Citi® Platinum Select® MasterCard®

Editor's Rating: 9.5
Consumer Rating: (25 ratings) 8.1

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Intro APR:	0%
Regular APR:	11.99% - 19.99%* (Variable)
Annual Fee:	None

Intro Period:	18 months on Balance Transfers, 12 months on Purchases
Balance Transfer:	Yes*
Credit Needed:	Good

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0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
Citi® Identity Theft Solutions
Secure, free online account management
No annual fee

EDITORS' RATINGS OVERALL SCORE

9.5

Overall

The Bottom-Line

This is a very good basic balance transfer card for anyone with high interest balances to transfer. The low regular APR makes this a good card for anyone who would like the flexibility to carry over balances from time to time.

The Good

Take 6 months from opening the account to make a balance transfer and then get 0% APR from date of transfer. Low regular APR on transfers and purchases.

The Not So Good

Not much negative about this card. APR is based on credit history but even the highest rate is competitive with similar cards.

CARD DESCRIPTION

The Citi® Platinum Select® Card is one of the best balance transfer and low purchase APR credit cards around. While Citi offers many different credit card options, this is the top card when it comes to transfers. With one of the lowest regular APRs, this card also gives you 18 months from date of account opening to transfer high-interest balances (then 18 months of 0% APR from the date of the transfers). Zero liability on unauthorized purchases and online account management features make this a great card to have in your back pocket.

In addition to the 0% APR on balance transfers and purchases for the first 18 months, you can also enjoy the benefits of no annual fee and free Citi Identity Theft Solutions. With Internet theft on the rise, having some type of watchdog to monitor your accounts is imperative. This is just another added benefit toward being a Citi Platinum Select cardholder.

Like other credit cards, the Citi Platinum Select Card offers an APR which is based on your individual credit history and is definitely one of the most competitive rates in the industry. If you have balances on other high interest credit cards, this is a great opportunity to take advantage of the interest savings from a 0% APR credit card.

Read Customer Reviews (Last Reviewed: Aug 29, 2010)

DETAILED EDITORS' RATINGS

9.5

Introductory APR

0% for up to 18 months

9.0

Benefits

15 months to make a balance transfer and then 15 months at 0% APR from date of transfer; zero liability for unauthorized purchases and free online account management.

9.0

Fees

No annual fee

9.5

Regular APR

Regular APR: Variable; Starts at 11.99% which is highly competitive.