Citi Platinum Select Credit Card - Pros and Cons, Review

The Citi® Platinum Select® Card, issued by Citibank, is designed for those with very good credit who would like to take advantage of the various standard services and benefits provided by Citibank. This card has a reasonable interest rate for purchases and balance transfers, no annual fee, and an attractive 0% twelve-month introductory rate that can be applied toward purchases and balance transfers. It is important to note that there is a minimum cap for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.

The card does provide several platinum cardholder benefits that include auto rental insurance, fraud protection services, and up to $1,000,000 in travel accident insurance. However, there are no extraordinary benefits or services specifically available to cardholders in comparison to some other platinum credit cards.

Therefore, those who plan to take advantage of the introductory offers and the services provided will benefit most from what the Citi® Platinum Select® Card has to offer.
Review Date: 9/11/2006

Most Attractive Feature(s): Long term 0% introductory rate; reasonable APR for purchases; no annual fee.
Least Attractive Feature(s): Minimum APR cap for cash advances.

Additional Perks
Various Internet account related services.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
No liability for unauthorized transactions.
Fraud and security protection services.
Lost wallet service.
Lost and stolen card reporting.
Emergency card replacement.
Emergency cash replacement.
Optional personal photo on card.
Various travel and emergency assistance services.
Medical referral services.
Legal referral services.
See website for additional benefits.

Important Notations
The minimum APR for cash advances is 19.99%.
See website for complete terms and conditions of card usage and application disclosure.

Note: The review on this card was updated on 9/11/2006. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. Credit card review information is provided by CardOffers.com, Inc.