In the search for the perfect credit card, one may take into account the travel rewards, cash rebates, shopping privileges or point collection and redemption programs. However, one of the most important aspects of a card, which is very much overlooked nowadays, is the availability of a low APR. This is especially important for those who wish to bring forward their outstanding balances month after month. For this consumer group, the answer to their financial problems would definitely be the Citi Platinum Select Card.

This card is usually categorized as one of the low APR credit cards in the industry. Although rates are tied to the Prime Rate, the interest rate for the Citi Platinum Select card revolves around 10.99%. However, new card holders are able to enjoy an introductory rate of 0% APR for an entire year.

Also, the grace period for this card is 20 days and purchases are calculated on an average daily balance system. Thus, customers are not pressured into overspending or to spend more than they can afford just to achieve a reward goal.

What's more, with the APR 0% for a full year and no other fees involved, card holders are able to utilize the Citi Platinum Select card for balance transfers from other credit cards. While there are no annual fees accompanying this card, customers are reminded of a minimum APR on cash advances.

Being a Platinum card, platinum-status benefits including protection against fraud, travel accident and car rental insurance as well as emergency assistance for all traveling needs are also offered by the Citi Platinum Select card. Also, an additional Identity Theft solution service helps customers out of a fix with a stolen identity. Thus, when Citibank says that you have $0 liability on unauthorized purchases, they really mean it. Indeed, if you are searching for the perfect credit card, this is about as close as you can get.