Exploring Citi Platinum Credit Card Options

When it comes to credit cards, more and more consumers are looking for those that will provide them with extra benefits and incentives for using the card. At the same time, those that will be carrying a balance from month to month are interested in a credit card that will offer a lower interest rate in order to save on finance charges. The Citi Platinum credit card offers the best of both worlds to those that have been responsible with their finances and have established a good credit history.

The Citi Platinum credit card comes in a variety of configurations, so there is likely to be one to suit anyone’s needs. Some of the programs offered with the Citi Platinum credit card include:

• Citi Platinum MasterCard with Travel Rewards
• Citi Platinum MasterCards with iTunes Rewards
• Citi Platinum MasterCard Life of Balance Transfer
• Citi Platinum MasterCard 0% for 12 months on Balance Transfers

With the Citi Platinum MasterCard with Travel Rewards card, cardholders are able to collect points based on the purchases they make with the card. Cardholders receive one point for every £1 they spend within the UK and two points for every £1 they spend within the UK. If cardholders make £500 worth of purchases within the first three months of receiving the card, they receive 6,000 travel rewards points. These points are worth £40 and can be redeemed immediately.

The Citi Platinum MasterCard with Travel Rewards also offers a 0% interest rate on balance transfers for 9 months, though there is a 3% fee for these transfers. In addition, the typical standard rate for the card is 16.9% variable.

The Citi Platinum MasterCard with iTunes Rewards is similar to the Travel Rewards card in that cardholders earn rewards based on the purchases they make. This card has a typical 17.9% variable APR and offers a 4.9% rate on balance transfers that remains in place until the balance transfer is paid off.

The Citi Platinum MasterCard Life of Balance Transfer card offers a 4.9% rate on all balance transfers made when the account is open. As the name implies, the APR remains in effect for the life of the balance. Otherwise, the typical APR is a variable 16.9%. In addition, cardholders receive 0.5% cash back on all purchases made with the card.

The Citi Platinum Mastercard 0% for 12 Months on Balance Transfers card offers a 0% APR on all balance transfers, with the special rate being good for a full year. In addition, cardholders enjoy a 0% APR on all purchases for the first three months. Thereafter, the typical APR is a variable 16.9%.

Of course, each of these Citi Platinum credit cards offers the types of protection typically associated with credit cards, such as purchase protection. With so many different Citi Platinum credit card options available, it is easy to see why this card has become quite popular among those with good credit.