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Citi® Platinum Select® MasterCard®
and
Discover® MotivaCard
Side-by-Side Comparison

Here is the detailed comparison.
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Citi® Platinum Select® MasterCard® and Discover® MotivaCard

Citi® Platinum Select® MasterCard® Offer Citi® Platinum Select® MasterCard®  Official
Card
Name
Discover® MotivaCard  Discover® MotivaCard Offer
CitiBank Logo CitiBank 
 
Issuer
Discover  Discover Logo
 
MasterCard  Brand Discover 
None  Annual Fee None 
Introductory
Rate
3.99* 
12 Mo. on Purchases*  Length of
Intro Period
12 Mo.* 
11.99% - 19.99%* (Variable)  Go To Rate
(After Intro)
11.99% - 20.99% (Variable)* 
Yes  Balance Transfer
Available
Yes 
Very Good  Credit Level
Required
Very Good 
0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*  Bullet Points:
1
Cash rewards for your good credit management 
Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more  2 Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account 
Citi® Identity Theft Solutions  3 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall 
Secure, free online account management  4 Up to 1% unlimited Cashback Bonus on all other purchases 
No annual fee  5 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR 
     



 


     


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