Which Zero Percent Credit Card to Choose? Citicard's Platinum or Chase's Platinum?

Should I Switch from the Credit Cards I'm Using Now?

You know, they come in the mail several times a year, and I always wonder if I should switch from the credit cards I’m using now. And, is interest free really interest free? Personally, I usually toss these into

the office shredder.
You know, they come in the mail several times a year, and I always wonder if I should switch from the credit cards I’m using now. And, is interest free really interest free? Personally, I usually toss these into the office shredder.
You know, they come in the mail several times a year, and I always wonder if I should switch from the credit cards I’m using now. And, is interest free really interest free? Personally, I usually toss these into the office shredder.

In this article I’ll compare two of the top “zero percent” credit cards on the market today. These two cards are the Citicard Platinum Select  Card and the Chase Platinum Card. But, please do your own due diligence – what’s a great deal today might be so great tomorrow or next month. The credit card companies delight in changing the rules on us frequently. Also, before using any credit card while traveling abroad, read the fine print carefully – some cards charge extra fees that are NOT travel-friendly.

Both of these cards charge NO interest for the first 12 months and each allows free balance transfers. (Check the fine print on those transfers; they call them free but there are sometimes hidden fees.) Neither charge an annual fee. Both allow online access and bill payment. But after that, there are significant differences.

The Citicard Platinum goes up to 11.24% after the first year and the Chase Platinum card goes up to 14.24%. Excellent credit is required for approval with Citicard but with Chase, you might squeak by with just good credit.

Citicard and Chase both offer a $0 liability on unauthorized purchases whereas most cards hold you to the $50 liability for unauthorized use of your card.