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Citi® Home Rebate Platinum Select® MasterCard®
Issued By: Citibank |
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No Annual Fee
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0% Introductory APR on Balance Transfers for 12 Months - No Balance Transfer Fee with this Offer*
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No Cap or Limits on the Amount of Rebates Cardholders Can Accumulate in a Year
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Don't Have a Mortgage Yet? Good News! Cardholders Will Get a Statement Credit Instead to Start Saving for Their Dream House
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Rebate Automatically Applied to the Cardholder's Mortgage Principal
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Full 1% on All Other Purchases
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Full 6% Rebate on Utilities, Cable/Satellite TV, Internet Connection, and Telecommunications for 6 Months
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CreditCard49 Rating
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Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Intro Good On |
Credit Needed |
0.00% |
12 months |
11.490% |
none |
Balance Transfers |
Very Good |
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Card Info Last Reviewed 2007-07-12 |
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Our Review
The Citi® Home Rebate Platinum Select® MasterCard®, issued by Citibank, is designed for those with very good credit who plan to take advantage of the rebates, which help cardholders pay for their personal mortgages.
Through the reward program, cardholders earn a full 6% rebate per dollar spent on telecom services; computer network/information services; cable, satellite, and other pay TV and radio services; and utilities for the first six months of membership, and they earn 1% per dollar spent after the introductory period and on all other purchases. The rebate is earned in the form of "Home Mortgage Rebates" that will be applied against the outstanding mortgage principal. There is no limit to the amount of rebates that may be earned, and rebates do not expire.
The APR for purchases and balance transfers is reasonably low, there is no annual fee, and there is a 0% introductory rate available for balance transfers for twelve months.
However, it is important to note that there is a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.
As with most Citibank credit cards, cardholders can expect access to a variety of platinum benefits that include up to $1,000,000 in travel accident insurance and fraud protection services.
Therefore, those who will take advantage of the introductory offer, would like the option to carry a balance, and will be able to take advantage of the mortgage rebates will benefit most from what the Citi® Home Rebate Platinum Select® MasterCard® has to offer.
Additional Perks
Various Internet account related services.
No liability for unauthorized purchases.
Identity theft solutions.
Fraud and security protection services.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Automatic bill payments.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Various travel and emergency assistant services.
Medical referral services.
Legal referral services.
Lost luggage assistance.
Discounts on auto rentals.
Year-end financial statement (upon request).
See website for additional benefits.
Notations
The minimum APR for cash advances is 19.99%.
See website for complete terms and conditions of card usage and application disclosure.
View Website Details
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