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Citi Platinum Select MasterCard

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  • 0% APR* on balance transfers and purchases for up to 12 months
  • No annual fee
  • Citi Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management

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Card at-a-glance

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Rates & Fees Summary:

  • Intro purchase rate: 0% (up to 7 months)
  • Purchase rate: 15.99% (variable)
  • Intro balance transfer rate: 0% (up to 7 months)
  • Balance transfer rate: 15.99% (variable)
  • Annual Fee*: N/A
  • Balance transfer fee*: 3% (minimum of $5.00)
*See the online 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. You should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.

Card rates and fees

Select a credit rating to view corresponding estimated rates:
Purchase rate* 0% (up to 7 months) view rate details 19.99% (variable) view rate details
Balance transfer rate* 0% (up to 7 months) view rate details 19.99% (variable) view rate details
Cash advance rate* N/A 21.99% (variable) view rate details
Default rate* N/A 29.99% (variable) view rate details
Purchase rate* 0% (up to 7 months) view rate details 19.99% (variable) view rate details
Balance transfer rate* 0% (up to 7 months) view rate details 19.99% (variable) view rate details
Cash advance rate* N/A 21.99% (variable) view rate details
Default rate* N/A 29.99% (variable) view rate details
Purchase rate* 0% (up to 7 months) view rate details 19.99% (variable) view rate details
Balance transfer rate* 0% (up to 7 months) view rate details 19.99% (variable) view rate details
Cash advance rate* N/A 21.99% (variable) view rate details
Default rate* N/A 29.99% (variable) view rate details
Purchase rate* 0% (up to 7 months) view rate details 15.99% (variable) view rate details
Balance transfer rate* 0% (up to 7 months) view rate details 15.99% (variable) view rate details
Cash advance rate* N/A 21.99% (variable) view rate details
Default rate* N/A 29.99% (variable) view rate details
Purchase rate* 0% (up to 12 months) view rate details 11.99% (variable) view rate details
Balance transfer rate* 0% (up to 12 months) view rate details 11.99% (variable) view rate details
Cash advance rate* N/A 21.99% (variable) view rate details
Default rate* N/A 29.99% (variable) view rate details
Annual Fee* $0.00
Balance transfer fee* 3% (minimum of $5.00)
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $15.00 for account balance between $0.00-$99.99
$29.00 for account balance between $100.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $39.00
Foreign currency fee* 3%
Min finance charge* $0.50
Balance transfer fee* 3% (minimum of $5.00)
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $15.00 for account balance between $0.00-$99.99
$29.00 for account balance between $100.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $39.00
Foreign currency fee* 3%
Min finance charge* $0.50
Balance transfer fee* 3% (minimum of $5.00)
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $15.00 for account balance between $0.00-$99.99
$29.00 for account balance between $100.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $39.00
Foreign currency fee* 3%
Min finance charge* $0.50
Balance transfer fee* 3% (minimum of $5.00)
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $15.00 for account balance between $0.00-$99.99
$29.00 for account balance between $100.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $39.00
Foreign currency fee* 3%
Min finance charge* $0.50
Balance transfer fee* 3% (minimum of $5.00)
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $15.00 for account balance between $0.00-$99.99
$29.00 for account balance between $100.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $39.00
Foreign currency fee* 3%
Min finance charge* $0.50
*See the online 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. You should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.
Rewards
Features and Benefits
Category Consumer
Network MasterCard
Min Credit Level Good (700 - 749)
Instant Approval No
No Annual Fee Yes
Rewards Program No
Credit Limit At least 500
Grace Period 20 days
Method For Computing Balance Average Daily Balance
Universal Default No
Revolving Credit Yes
Secured Card No
Auto Rental Insurance (You're automatically covered when you reserve and rent a vehicle with your Citi card and decline the car rental company's collision loss/damage waiver insurance)
Discounts from Hertz
Citi Credit Card Benefits & Services
Citi Photocard
No annual fee
Citi Identity Theft solutions
Citi IdentityMonitor
Extra Cash from Citi: enjoy significant discounts on gift cards,travel, merchandise and more
Discounts on gift cards,travel, merchandise and more
Travel and emergency assistance
Citi MasterCard Payment Tag with PayPass
Retail Purchase Protection (Most items purchased with your card are eligible for protection against accidental damage or theft for up to 90 days from the date of purchase.)
Virtual Account Numbers
Zero liability on unauthorized purchases
Extended Warranty (The terms of the original manufacturers' U.S. warranties (of one year or less) may be extended up to one additional year on most items purchased on your card.)
PaymentAid
Credit Cardholders' Bill of Rights compliance
Congress has expanded your rights as a credit card holder!
Click here to read about these rights or browse this card's compliance below.
How does this card comply?
Protection from arbitrary rate increases
The right to have rates reviewed and reduced
Fair allocation of payments
No universal default
No double-cycle billing
No fees for paying your bill
Protection from due date gimmicks
Enough time to pay your bill
Education on dangers of minimum payments
Protection of young cardholders
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