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*
726 Average Credit Score Approved for this Card
667 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
18 Months   18 Months  

0%

 

11.99% – 21.99%*

Variable

0%

 

11.99% – 21.99%*

Variable

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

Offer Details:

Cash Advance Rate

25.24%

Annual Fee

$0

Late Fee

Up to $35

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee

3%, Min: $5

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

‑$527

$0

$0

Interest Savings on Transferred Balance

$4,051

$2,835

$1,405

Interest Savings on New Purchases

$1,676

$3,083

$4,864

Value of Rewards on New Purchases

$0

$0

$0

Value of Bonus Points

$0

$0

$0

Annual & Application Fees

$0

$0

$0

 
Savings:
Total Annual Savings

$5,200

$5,918

$6,269

Total Savings over 3 Years

$17,388

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*

Compare Holders of this Card
Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder
Sample Size: 5,868
Data Created: October 01, 2013

266 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

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)

Review by jcw122

1 Contributions 1 People Helped

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, 12)

Review by Rocktopus

7 Contributions 12 People Helped

Getting Approved Helpful to 1 out of 1 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
Quite good Helpful to 1 out of 1 people

I usaed it for several months until I decided to cut back on my spending habits. Worked well when I needed it.

Jan 05, 2013
Credit score vs Credit limit Helpful to 1 out of 1 people

They approved this card for me, and they said my credit score was 749 / 900 and the credit limit is 5500. I wanna figure out how they caliberate.

Nov 19, 2012

See all 266 Reviews of Citi® Platinum Select® MasterCard®

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.