The Best Value For Money Credit Card

February 4th, 2010

Discover the best credit card when it comes to great value for money. Take a look at the Citibank Clear Platinum credit card and find out why it is so different to most other platinum credit cards.

For many people, the best credit card must offer a range of attractive features. For anyone whose intention it is to get the best value for money from their credit card, the Citibank Clear Platinum is one of the smartest choices. As the name suggests, this is a platinum credit card therefore it possesses all the benefits of a prestigious card, but its lower rates and fees are more generally found on standard credit cards.

At the moment, it is offering % interest on balance transfers for the first months that you have the card. The regular rate for purchases is not compromised by this, because you also get a really low regular purchase rate of just 11.99% p.a.. Neither will you have to dig very deep to make this card your own. The annual fee is just $99, which would be considered low on a standard card, never mind a platinum one. You can also add up to four additional cardholders for just $19 each.

The only point that may stop this being the best credit card for you is that there is a minimum income criteria of $50,000 per year.

Assuming you can apply, you will receive complimentary travel insurance and transit accident insurance when travel is purchased on your Citibank Clear Platinum, plus access to Visa’s concierge service, giving you round the clock personalised help anywhere in the world to find and book whatever you want. You can further benefit from extended warranties on products purchased with your card, and complimentary purchase protection. To give you peace of mind, Fraudshield operates 24/7 monitoring for any suspicious transactions.

Citibank Clear Platinum card benefits

Annual fee of $99
Introductory offer of % p.a. on balance transfers for the first months
11.99% p.a. p.a. interest rate on purchases
$19 for an additional card for up to four people
24/7 worldwide Concierge services through Visa Platinum
Exclusive entertainment offers through the Visa Platinum Privileges feature
The peace of mind of complimentary international travel insurance and transit accident insurance for you and your family
Extended warranty and complimentary purchase cover
Access to Citibank World Privileges, giving up to 25% off shopping, dining and travel worldwide
Minimum income of $50,000 to apply

This is a very generous bunch of features, especially for the low annual fee. As the economy starts to slowly pick up, offers such as this may not be around for very long and the definition of the best credit card may change for many years to come. What may make this the ideal credit card for you is your ability to secure the deal now.