Citi® Platinum Select® MasterCard
Sponsored Card
- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: MasterCard
- Rating:
| Intro Rate 0% |
Intro Period 18 months |
Regular Rate 11.99% - 21.99% (V) |
| Intro Rate0% | Intro Period18 months | Regular Rate11.99% - 21.99% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 25.24% (V) |
Cash Advance Fee 5% (min $10) |
- 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.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 29.99% (V)
- Grace Period: 23 days
- Online Response: No
- Foreign Transaction Fee: 3%
If you currently have the Citi® Platinum Select® MasterCard and are satisfied or you like the terms of this credit card offer please let your friends know.
Citi® Platinum Select® MasterCard is an Editor's Pick for
If you are interested in the Citi® Platinum Select® MasterCard, check out the following credit cards as well:
Compare the Citi® Platinum Select® MasterCard against other major online credit card offers.
Citi® Platinum Select® MasterCard is related to the following credit card categories:
- No Annual Fee Credit Cards
- Credit Cards for Excellent Credit with No Annual Fee
- Citibank Credit Card
- MasterCard 0% APR Credit Cards
- Balance Transfer Credit Cards
- 0% Interest Credit Cards
- Citibank MasterCard
- Citibank Balance Transfer Credit Cards
- Excellent Credit Balance Transfer Credit Cards
- Low Interest Credit Cards for Excellent Credit
We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.
Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Citi® Platinum Select® MasterCard shown on this page.
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While the Citi Platinum Select Credit Card does not offer rewards, it more than makes up for that with its introductory interest rates. The Platinum Card is one of three Citicards that offers 0% on purchases as well as balance transfers for 21 months (along with the Citi Simplicity and Diamond Preferred Cards). Since 21 months is the longest 0% term available, the obvious question is does the Citi Platinum Select MasterCard differentiate itself at all from its cousins, so to speak, or does it make no difference which offer you choose? Well, the Platinum Select Citicard is exactly the same as the Diamond Preferred Card, both have 11.99% - 21.99% (V) APRs and no annual fee. The Simplicity Card only differs in that it has a 12.99% - 21.99% (V) APR. Ok, but who are these cards right for? Both the Citi Platinum Card or the Diamond Preferred would be extremely helpful for people who need to lower the cost of debt, either an existing balance or an upcoming big-ticket purchase. There is another interesting application for these cards as well, however. If your bank account, gives you a lucrative interest rate, you could simply make minimum payments over the first 21 months with your card, leaving the rest of your would be payments to grow in the bank for longer. Whether this makes sense obviously depends on your interest rate and the rewards you could get from other cards. Keep in mind that a card like the Discover More Card offers 0% for 15 months and gives you rewards, which means that you could earn both interest and rewards revenue if you use it for the approach laid out above.