Review of Citi Home Rebate Platinum Select Card

The Citi Home Rebate Platinum Select Card was last reviewed on : 26nd January 2005

Summary -The Citi Home Rebate Platinum Select Card lets you earn 1% rebate for every dollar you spend on your credit card. The rebates goes towards paying your mortgage principal. You can earn unlimited rebates.

There is no annual fee and the APR is moderately low. There is a 0% APR on balance transfer for 12 months from the date of balance transfer, if transferred within 12 months.

You will also get Citi Platinum Select benefits like travel insurance, auto rental insurance, discounts from Hertz, annual account summary.

Those who intend to use their rebates towards reducing their mortgage principal will find the Citi Home Rebate Platinum Select Card a very suitable credit card.

Positives
* Earn unlimited rebates
* No annual fee
* Moderately low APR
* 0% APR for both purchases and balance transfer
* Duration of 0% APR on balance transfer starts from date of transfer

Citi Home Rebate Select Platinum Card Benefits

Rebate Formula - Earn 1% rebate on every dollar spent. Rebate goes towards reduction o mortgage principal. You can earn unlimited rebates.

Credit Card Benefits - You get very good Citi Platinum benefits including travel insurance of up to $1,000,000, auto rental insurance, travel and emergency assistance, quarterly and annual statement reports.

Cost and Interest rates - There is no annual fee. The APR is moderately low at Prime Rate plus 6.99%. There is a 0% APR offer for 12 months balance transfers. The 0% APR offer for balance transfers starts from the date of transfer. There is no balance transfer fee during the introductory period.




Citi Home Rebate Platinum Select Card
Rebate Benefits
Rebate FormulaEarn 1% on rebates with every dollar purchased on your credit card. Rebate goes towards mortgage principal reduction.
Caps on RebtesEarn unlimited rebates
Min Income Required$12,000
Travel and Insurance Benefits
Up to $1,000,000 Travel Insurance
Auto rental insurance
Travel and Emergency assistance
Discount from Hertz
Other Benefits
Annual account summary
Automatic bill payments
Zero Liability on unauthorized purchases
Free online services
Cost/Fees/Interest rates
Introductory rate0% for 12 months for balance transfer from date of transfer. Account has 12 months for transfer
Annual FeesNo annual fee
Purchase APRPrime Rate plus 6.99%
Balance Transfer APRPrime Rate plus 6.99%
Cash Advance APRPrime Rate plus 14.99% min 19.99%
Penalty/Default RatePrime Rate plu 23.99%, min 25.99%
Overdraft Advance Rate13.99% fixed (not available in some states>
Min Finance Charge$0.50
Grace Period20 days
Balance Calculation MethodAverage Daily Balance (including new purchases)
Balance Transfer fee3% min $5.00, max $50.00
No balance transfer fee for introductory period
Other Cash Advance fee3% min $5.00
Over-the-credit-limit fee$35.00
Late Payment fee$15.00 up to $99.00
$25.00 from $100-$1000
$39.00 for more than $1000

Apply for the Citi Home Rebate Platinum Select Card




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