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Offered by: CitiBank

Citi® Platinum Select® MasterCard®

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness
  • 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*

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: N/A
Typical High: N/A
18 Months   18 Months  


11.99% – 21.99%*


11.99% – 21.99%*





* 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 "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate


Annual Fee


Late Fee

Up to $35

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee

3%, Min: $5

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees






Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

1. 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness*

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 2,789
Data Created: February 02, 2015

146 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

CK score of 679 APPROVED

Have 2 cc , Barclay & CAP ONE combined balances of 1700. Advised by CK to apply with GOOD odds of approval to transfer balance and save money. I applied and was instantly approved for CL 3000.  My score dropped a total of 7 points for the inquiry. I am hoping that when I transfer the balances my score increases.. Fingerscrossed.

phardiman01's response was:    

Nov 30, 2014

phardiman01(2, 1)

Unimpressive card

I have low available credit, and an extremely high interest rate with this card. The rewards program is effectively useless — I've accumulated a few thousand points but haven't found anything worth redeeming them for. You can save 10% off gift certificates to big chain restaurants and a few stores, but that's about it. Skip this and get a card like Chase Freedom instead.

duetwithjosh's response was:    

Jul 25, 2014

duetwithjosh(1, 0)

Excellent Helpful to 1 out of 3 people

I like having cash back rewards, makes thing much more simple. 1% on most things, and some extra on others. Straightforward and easy credit limit increases.

jcw122's response was:    

Mar 25, 2013

jcw122(1, 1)

Don't apply if you live in Hawaii/Alaska Helpful to 1 out of 1 people

The nearly worthless rewards program will not ship so much as a gift card if you don't live in the lower 48.  You're better off with travel rewards if you live in these places.  Balance transfer and intro APR are good.  Approved with CK 750 at $4200 CL.  Really a trash card.  

Rocktopus's response was:    

Mar 12, 2013

Rocktopus(7, 14)

Getting Approved Helpful to 2 out of 2 people

Was approved for 13,500 with a FICO of 780 - requirement was you had to have 3 other CC with limits over $5,000

Mar 10, 2013

See all 146 Reviews of Citi® Platinum Select® MasterCard®

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from November 2014 through April 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.