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Credit Card Offers

Citi® Platinum Select® Card

38 comments
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Offer Provider Offered by:
CitiBank
Related Credit Cards:
  • Discover® More(SM) Card - Clear
  • Discover® Student Card
  • Discover® Student Card - Clear
Credit Karma Recommended
Details:
Purchase Intro Rate 0%
Purchase Intro Period 9 Months
Balance Transfer Intro Rate 0%
Balance Transfer Intro Period 9 Months
Regular APR As Low As P+8.74%(V)
Balance Transfer Rate As Low As P+8.74%(V)
Cash Advance Rate See Terms
Annual Fee None
Late Fee $15.00*
Cash Advance Fee 3.00%, Min: $5**
Balance Transfer Fee 3.00%, Min: $5**
Citi® Platinum Select® Card features:
  • 0% APR* on balance transfers and purchases for 9 months
  • 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.

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USER COMMENTS(38)

jb162
Jun 4
5:05 pm

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).

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KristelPippi
Jun 4
6:06 am

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.

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kcincon
May 24
11:04 pm

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

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blakeahlberg
May 22
9:12 pm

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.

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viv
May 15
11:45 am

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.

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mnleake0528
Apr 29
6:19 am

I've had this card for two years and have had no issues listed above, like any credit card pay on time. As far as apr's mine has been lowered the higher my FICO gets. No complaints here the only card I use now. Along with great rates and service I routinely gets limit hikes which all that does is give me a better FICO score.I guess it a great card if your responsible enough.

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Sunburn644
Apr 28
11:27 am

terrible rewards

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nadia73
Mar 22
11:40 am

I had two fantastic citi cards w/ APRS of 6.2 and 7.2 (down from 8.99).. never a late payment and i always had a great history with them.. with the current economy they then jacked up the APRS to 14.99 and then some. I've paid both off and will no longer use them.

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bsdavis3
Mar 17
3:01 pm

I have had this card for over a year now. I like the rate and the minimum payment is consistent every month, and it's never to high. The first guy is right, one late payment and the rate is through the roof. I made a late payment accidentally and my rate went up to 28.99%, BUT, i called them after i looked online and saw it and they were very helpful and actually lowered it down below my original rate.

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ist4656
Mar 10
6:39 am

Slow response time to application. Turned down through apparent lack of credit. Apparently they only use Trans Union. Automated response, no sign of human life in application.

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Offer Score

46

Is this a good offer?

  

59

User Voting
Percentage of users who think this is a good offer. Your vote counts!

33

Take Rate
Higher take rate values indicate more popular offers.

The overall score is an average of user voting and take rate, so it's determined by users like you!

Score Details

Credit Score Approval Data

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.


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