Is there really such a thing as 18 months interest-free?

The Citibank Platinum Select Visa offers consumers a card that has many benefits. They offer an easy application process that can be completed online with quick approvals. There is no annual fee involved for obtaining or retaining a Citi Platinum Select Card.

NOTE: This offer is no longer available on our site but this is a review of this product.

This card also offers zero percent interest for several months (depends on creditworthiness) on any balance transfers and purchases, but this feature will be based on your credit history and application. The Citi Platinum Select Card also has an Extra Cash program. This is a no-fee benefit that all cardholders will enjoy. This program offers discounts on merchandise, travel, entertainment, and more.

This Citibank card also has a zero liability feature, meaning there will be no charges to the cardholder for any unauthorized charges. Another added benefit of the Citibank Platinum Select Card is the extended warranty feature. Most items purchased on the card will qualify for an extension of up to one year on the manufacturers warranty. Most items purchased on the card will also qualify for purchase protection, meaning any theft or damage done within 90 days of the purchase will be covered.

The Citibank Platinum Select Card also not only offers cardholders rental car discounts through Hertz, but also gives cardholders auto rental insurance when they use their card to rent a vehicle. The cardholder and their family will also receive Common Carrier Travel Accident Insurance free of charge when bus, plane, or train tickets are booked using the Platinum Select Card. You also get a variety of travel and emergency assistance benefits, including emergency transportation and medical referrals. You can also get a Citi Photocard as part of increasing the security of the card. By placing your photo on your Citi Platinum Select Card you will have another form of ID while protecting yourself from fraud.

One of the most outstanding benefits of the Citi Platinum Select Card is its interest rate. After the introductory zero percent interest rate expires, you can get a rate of 11.99%-21.99%* (Variable). The Citi Forward Card the rate is 12.99% – 21.99%* (Variable). If you are looking for a card with a low rate, the Citi Platinum Select Card and the Citi Diamond Preferred Card seem to be the ones to consider.

Break down the Citibank cards by APR?

Citi® Platinum Select® Visa® 11.99% – 21.99%* (Variable)
Citi® Diamond Preferred® Card 11.99% – 21.99%* (Variable)
Citi Forward® Card 12.99% – 21.99%* (Variable)
Citi® Dividend Platinum Select® Visa® 12.99% – 20.99%* (Variable)

The Citi Platinum Select Card may not offer a rewards program, but with the discounts provided by the Extra Cash program, the added security, and the low interest rate, this is one credit card that could fit the needs of many consumers. Throw in the added benefit of zero interest for several months, and it only stands to reason that the Citi Platinum Select Card will likely be one of the most preferred credit cards of 2012 and well into 2013.