Vote

Tell us what you think! Your votes help other users find the best offers

Yes No

Accept Credit Karma offer

Digg Digg

Reddit Reddit

Email Email to a Friend

Citi® Platinum Select® MasterCard

Offered by: CitiBank

142 comments | Comment on this offer

Details

Purchase Intro Rate	0%
Purchase Intro Period	12 months*
Balance Transfer Intro Rate	0%
Balance Transfer Intro Period	18 months*
Regular APR	11.99%-19.99%(V)
Balance Transfer Rate	11.99%-19.99%(V)
Cash Advance Rate	25.24%
Annual Fee	None
Late Fee	$15.00*
Cash Advance Fee	5%, Min: $10
Balance Transfer Fee	5.00%, Min: $10

Citi® Platinum Select® MasterCard features:

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*
No annual fee
Citi® Identity Theft Solutions
$0 Liability on unauthorized purchases
Secure, free online account management
Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.

Additional Details: Click here for Additional Details (Will launch in a new browser window)

See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer Now" button, you can review the credit card terms and conditions on Provider's website.

Comments

142 Total Comments

Sort By:

I've had the card for quite a few years and never had any problems with it. Never been late, so do know about rate increases. I did have fraud charges one time and they were great about getting it off.

viv 1 year ago

I've had this card for around a year. My interest rate started at 16% and is now 9.24%. I care more about the interest rate and fees than the customer service, since all card companies have terrible service. Easy and well formatted online services... My best card, far better than discover or capital one.

blakeahlberg 1 year ago

Great card if you know how to negotiate with card companies.

kcincon 1 year ago

I have had this card for about 4 years and have always paid the balance in full each month. Two months ago I submitted the payment after the cutoff time on the same day it was due, so it posted the next day. I didn't think this would be a problem since I have NEVER been late on a payment, but on my next statement my interest rate skyrocketed from 9.24% to 29.99%! I called them immediately and they said they would have to investigate it and they would mail me a letter with the results. A week later I get a letter that simply tells me to read the terms agreement about late payments. Needless to say I will NOT be using this card any longer.

KristelPippi 1 year ago

I have had this card for several years now. Never late on my payment, and several spells of carrying $0 balance. My rate has went up consistently every year, not sure why. They did increase my credit limit last month (unlike other's comment where they decreased it).

jb162 1 year ago

I've had this card for 6 years. Because I always pay on time, my interest rate had been lowered down to 6.9%. I got a letter a couple of months ago that my interest rate would be increased to 14.9%. I called them to find out why. The rep said that it wasn't my credit history but the poor ecomony. Needless to say, I decline the increase. It stayed at my 6.9%, but my account will automatically close in 11/09. I liked the convenience of this card, but not willing to pay the double interest.

jenniferw207 1 year ago

This will be a trend with most credit cards in this economic environment. Credit card default rates are approaching 10%.

CK Moderator

Was denied with a great rating. Only flaw was I've only had credit for 2.5 years, but that was all it took.

brochattey 1 year ago

I applied for this card thinking that I will get 0% APR on balance transfers and purchases for up to 12 months. However when I got the approval, the term changed to 6 months.

nibu 1 year ago

its not the companies fault for your state of mind thinking they will automatically give you no interest. They never promised you anything before you applied

tsquad131 7 months ago

My APR is down to 5.24% and seems to continue due to the APR.

Happy with card, and had nothing but good service.

If you are looking for a good reward program, look someplace else. That isn't what this card is about. It's about low interest with a meager reward program as a bonus.

wrymenigma 1 year ago

Had this card (Visa-branded) since 2005. APR started at 15.99%, eventually it went down to 11.99%. It increased to 19.99% earlier this year. Not sure why, never missed a payment or was late. Never carried a balance on it so I didn't bother to call and complain.

KBala934 1 year ago

Comment On This Offer

Credit Score Approval Data

Ideal for those with Good Credit:

739

AVERAGE Credit Score Approved for this Card

654

LOWEST Credit Score Approved for this Card

† Credit Karma members have received approvals with these credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.