Citi® Platinum Select® MasterCard®
Highlights
- 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- No annual fee*
| Intro APR: | Regular APR: | Annual Fee: | Intro Period: | Issuer: | Brand: | Balance Transfer: | Credit Needed: | Card Category: |
| 0% for 18 Months* | 11.99%-21.99%* (Variable) | None | 18 Months on Balance Transfers* and 18 Months on Purchases* | Citi | Mastercard | 0% for 18 Months* | Good to Excellent | Low Interest, Balance Transfer |
|
Rates & Term Details
From the CompareCards.com Editorial Team:
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.5 |
Our Expert Review
Overall Rating Introductory APR 0% for up to 18 months Benefits 18 months to make a balance transfer and then 18 months at 0% APR from date of transfer; zero liability for unauthorized purchases and free online account management. Fees No annual fee Regular APR Regular APR: Variable; Starts at 11.99% which is highly competitive. The Bottom-Line The Good The Not So Good |
| RATING: |
great
Date Posted: 11/02/2011
By: george the golfer (southern pines, nc)
| Detailed Ratings: | |
| Introductory APR (Purchases and Transfers) |  |
| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) |  |
| Standard APR | |
| Customer Service | |
I definitely would recommend this card to a friend.
1 out of 1 people found this review helpful.
| RATING: |
Great Offer, Good People
Date Posted: 03/10/2011
By: Jered from Colorado (Silverthrone, CO)
| Detailed Ratings: | |
| Introductory APR (Purchases and Transfers) | |
| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
REVIEW:
I have had this card for almost 8 years now. It was the first card out of college. The intro offer was my winning factor in my decision back then. After racking up a rather large bill, I began to have some problems paying the entire balance off every month. In fact, I stopped paying all together for awhile... I was in college and things got tight. T
I worked some magic on the phone and was able to recover my interest rate, get several penalities removed, and my credit card back on track. Citi did a good job helping me out.
Now I pay the entire balance off monthly and use the card for groceries, gas, and several other items that give a larger percentage of money back to me every month.
I definitely would recommend this card to a friend.
5 out of 6 people found this review helpful.
| RATING: |
Good for Good Credit
Date Posted: 02/17/2011
By: Jenn (Shreveport, LA)
| Detailed Ratings: | |
| Introductory APR (Purchases and Transfers) | |
| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
I definitely would recommend this card to a friend.
2 out of 3 people found this review helpful.
| RATING: |
annual fees applying
Date Posted: 02/26/2010
By: mks (North Carolina)
| Detailed Ratings: | |
| Introductory APR (Purchases and Transfers) | |
| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
REVIEW:
Starting in April an annual fee will be charged @ $60 per year
I definitely would recommend this card to a friend.
12 out of 13 people found this review helpful.
| RATING: |
Scored 6 Months
Date Posted: 07/23/2009
By: Fred (Austin, TX)
| Detailed Ratings: | |
| Introductory APR (Purchases and Transfers) | |
| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
REVIEW:
Had a credit score of 660 and got approved for 6 months on purchases and transfers. Glad to start paying down some debt at a 0% rate - nice relief.
I definitely would recommend this card to a friend.
9 out of 10 people found this review helpful.
| RATING: |
Great card for BT's
Date Posted: 11/05/2008
By: Jocko (Winnetka, IL)
| Detailed Ratings: | |
| Introductory APR (Purchases and Transfers) | |
| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
I definitely would recommend this card to a friend.
5 out of 7 people found this review helpful.
| RATING: |
Transfered my balance from Bank of America.
Date Posted: 08/06/2008
By: Larry R (Baltimore)
| Detailed Ratings: | |
| Introductory APR (Purchases and Transfers) | |
| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
REVIEW:
My Bank of America credit card interest increased by 27% after I missed my bill payment. With $10 000 balance I was suppose to pay hundreds of dollars every month (interest only). With 740 credit score it was terrible to pay interest like that. I transfered my balance and it saved me a lot of money.
I definitely would recommend this card to a friend.
26 out of 27 people found this review helpful.
| RATING: |
Easy balance transfer.
Date Posted: 08/06/2008
By: Gregory Chip (Washington DC)
| Detailed Ratings: | |
| Introductory APR (Purchases and Transfers) | |
| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
REVIEW:
I am agree with previous reviews. It is simple to transfer balance when your credit score higher than 700.
I definitely would recommend this card to a friend.
7 out of 8 people found this review helpful.
| RATING: |
Recommendation
Date Posted: 06/27/2008
By: Joseph Callabro (Buffalo, NY)
| Detailed Ratings: | |
| Introductory APR (Purchases and Transfers) | |
| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
REVIEW:
Regular APR: As Low As 8.49%
I definitely would recommend this card to a friend.
8 out of 9 people found this review helpful.
| RATING: |
Just transferred big balance
Date Posted: 05/05/2008
By: Tom (Newport Beach, CA)
| Detailed Ratings: | |
| Introductory APR (Purchases and Transfers) | |
| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
I definitely would recommend this card to a friend.
48 out of 57 people found this review helpful.
| RATING: |
Solid Transfer Card
Date Posted: 04/08/2008
By: Jane Old School (Jacksonville, FL)
| Detailed Ratings: | |
| Introductory APR (Purchases and Transfers) | |
| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
REVIEW:
Can't beat the introductory rate. If you want to save money on interest, this is a solid choice.
I definitely would recommend this card to a friend.
21 out of 25 people found this review helpful.
| RATING: |
Reward Program
Date Posted: 02/12/2008
By: Mike the spender (Salt Lake City, UT)
| Detailed Ratings: | |
| Introductory APR (Purchases and Transfers) | |
| Benefits (Reward program,service discounts, theft protection) | |
| Fees (Balance transfers, annual fee, cash advances) | |
| Standard APR | |
| Customer Service | |
REVIEW:
The max cash reward is $300 annually, I have had the best customer service you could ask for. Things like flexible billing dates and courteous service won me over.
I definitely would recommend this card to a friend.
329 out of 365 people found this review helpful.
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