I have had my Citi Platinum Select Master Card for about 10 years now and it has been great. It is easy and convenient to bring with you everywhere and simpler than carrying around cash everywhere for everyday or big purchases. They offer a good interest rate depending on your credit score and ratings from other companies, but I have been satisfied with what they have offered me. I have had no problems or complications with my card over the years and nothing strange has ever showed up on my card as far as purchases or anything. Citi has a good reputation and they have been able to uphold that as far as I am concerned with their credit cards as well. Customer Service I have not needed to contact customer service for any reason as of this moment. I am sure they are helpful, attentive and knowledgeable in their services when need be. Available Rates Rates I am sure, depend on your credit scores and ratings and vary greatly from client to client.