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Citi® Platinum Select® Card for College Students |
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- 0% APR* for 6 Months on Purchases, Cash Advances and Balance Transfers*
- $0 Liability on Unauthorized Purchases*
- No Annual Fee*
- FREE Online Account Management*
- No Minimum Income or Cosigner Required*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0%*
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6 Months*
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11.24%*
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None*
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See Site for Details*
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Good Credit*
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Editor's Review:
The Citi® Platinum Select® Card for College Students, which is issued by Citibank, was specifically created with students in mind. This card is particularly well suited for a student who has established a bit of credit history that is looking to obtain a platinum credit card.
The Citi® Platinum Select® Card for College Students has all of the perks a cardholder would expect from a platinum card. For example, it offers purchase protection, extended warranty for purchases, and protection from liability for unauthorized transactions. For the student who likes to travel, the card provides up to $1,000,000 in travel accident insurance, emergency airline ticket replacement, auto rental insurance, and a variety of other travel related services.
For added protection, the card provides fraud and security protections services, including the option to include the cardholder's photo on the card. The card also provides lost and stolen card reporting, emergency card and cash replacement, and lost wallet services. For added convenience to the cardholder, the card offers medical and legal referral services, a year-end financial statement, and an annual autopayment option. A variety of other Internet account related services are also provided. Finally, the card provides discounts with a variety of merchants and retails, including auto rental.
TheCiti® Platinum Select® Card for College Students offers an excellent introductory offer of 0.00% APR for the first six months toward purchases, balance transfers, and cash advances. After the introductory period has expired, it resumes to its variable rate based on the Prime Rate. As with most credit cards, the APR for cash advances is slightly higher than the APR for purchases. In addition, there is a 19.99% minimum cap on the APR for cash advances. This means the APR for cash advances will never be lower than 19.99%, no matter how low the Prime Rate may fall.
In addition, there is no annual fee with this student credit card. There is also no fee for adding additional cardholders to the account. There is a 3% fee, with a $5 minimum, for cash advances.
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(Review Date: August 8, 2010)
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