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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

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I started with a 10% APR in 2005, that became 15%, 24.99% two months ago, and will become at least 29.99% going forward. A nice (aka reasonable) APR is fine, but this struggling bank will make every effort to squeeze every interest basis-point out of your balance...what is a low APR if subject to change like that? full disclosure: since 2005 my credit score has gone up, but Citibank's stock has not. They started me with a 5% cash-back on any purchase...I'm not even sure they have that anymore!

machvelian 1 year ago

Citi has been pretty good to me. Had the 0% interest to start and now my interest rate has gone down 10%.

susa320 1 year ago

Stay away from them!! Citi will claim your electronic payment from Regions Bank was "bent", and send it back to Regions. I had Regions overnight another 1 (before the due date) and Citi then hit my 0% interest with a return check fee. Even thou they are the ones that returned it!!! Jacked my rate to %29.99.

SCREWED2 1 year ago

Got letter similar to jenniferw207 post: Interest rate to double or could opt to close out. Company rep said that it wasn't my good credit history but the poor ecomony. Account will automatically close. We've moved most of our debt onto that card given low rate and will of course have to pay off soon. Crazy thing is that recently that just sent us another letter: Increasing our credit limit! Given we're about 25% below current limit that seems totally crazy!! We declined the offer

kathleenDoc 1 year ago

This card has worked well for me. I carry no balance, and the offer for the card I got gave me a fixed 9.9% APR. The online service works well enough and gives you the ability to generate one-time-use (or limited-time-use) disposable credit card numbers. I've been happy with the limited interactions I've had with the company on the phone, and have no complaints overall, other than receiving too many balance transfer checks in the mail.

bmhkim 1 year ago

10+ years with Citi-10K limit. On time more than min. pmts. Rewarded with a 29.9% APR !!! Of course opted out, would not be able to pay min pmt!! Offered 10% credit on every dollar I paid over min. pmt for 4 months. $5 on $500 additional on a $200 min. pmt. I got it BAD on this one--sounds like more cards to follow. Why am I paying for dead beats debt? Citi is sub par lender making money off knuckle heads that don't pay...new legislation won't allow their unethical tactics so, strategy is EVERYBODY pays. Can't win. Wish I was smarter about credit along time ago.

Farydiva 1 year ago

if you arent paying your full balance you are setting yourself up for trouble with credit card companies. Sorry thats how it is

tsquad131 7 months ago

I've had Citi and At&T for years, and everytime I carry a balance my APR goes up. Way up. I went from 5% to 18%, for no other reason than - they can. I'm loath to cancel as these are my two oldest cards, but I reeeallly don't like the way they do business.

Recon1 11 months ago

Not approved @ 658.

shazaam000 11 months ago

My apr went from 7.9 to 14.9 i always pay on time. I do not like this card.

inglander 10 months ago

Not approved @ 665. :(

dee8603 10 months 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.