Citi® Dividend Platinum Select® Visa® Card

We're sorry, but the Citi® Dividend Platinum Select® Visa® Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-950-5114.

Below you can review the Citi® Dividend Platinum Select® Visa® Card and find the card's rates and fees according to our latest records, which may be outdated.

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citi dividend platinum credit card
Required Credit Score: Excellent
4 472 reviews   Write a Review!
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Citi® Dividend Platinum Select® Visa® Card’s Rewards

Bonus
$100
Base Earn
1%
Max Earn
5%
Earn / Redeem Limit
Yes
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening.
  • Earn 5% CASH BACK in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14.
  • Enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.

Citi® Dividend Platinum Select® Visa® Card’s Key APRs & Fees

Intro Rate on Purchases
0% for 12 months
Intro Rate on Transfers
0% for 12 months
Regular Rate
12.99% - 22.99% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 3%

Citi® Dividend Platinum Select® Visa® Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 25.24% (V)
  • CASH ADVANCE FEE 5% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • SMART CHIP   Yes, chip-and-signature
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*.
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Citi® Dividend Platinum Select® Visa® Card Reviews

 
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1 2 3 4 5
 
4.2
Overall Rating: 4.2 / 5
Total Ratings: 472
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Sep 15, 2014
Photo of Chloe S.
4
By:
This card has a decent rewards system that is easy to understand. The interest rate is a bit high, so I try to keep my balance low. Every quarter there are offers for 5% cash back, on top of the 1% cash back made on every purchase. Sometimes the 5% offers don't excite me very much, but sometimes they are for very useful things like Best Buy or gas. Overall, this card is a good card to build credit and remain simple.
Jul 22, 2014
Photo of Tracy L.
3
By:
I've had this credit card for about 7 years now. While the card itself is okay, I am not a fan of Citi. I was somewhat scammed into getting this card when I was in college. There were people on campus handing out "coupons" for a free pizza at Pizza Hut, if you filled out a survey. Turns out the "survey" was a credit card application and the card arrived a few weeks later. Yes, I could have simply cut up the card and thrown it away, but I was a stupid college student so I didn't. Fast forward 7 years and now I have a balance of a couple more
Jul 9, 2014
Photo of Indira W.
3
By:
I love getting rewarded for shopping! This card offers quarterly categories to earn 5% back and that is wonderful! I always activate the categories when I receive the email alert and that is when pull it out and swipe. If I wont be spending for those categories I do not use the card. One thing I do not like, however, is that you can only use rewards in $50.00 increments. This past billing cycle I had $48.80 in rewards, I have to wait a month. On the upside, it is a nice little check for later! Also, the interest rates I have are pretty darn high, 29.99% I have never more
Feb 3, 2014
Photo of Jonathan C.
4
By:
I like this card because it doesn't come with a load of hidden interest rates. I keep the balance on my card low so I don't have a ton of interest to pay off. I find that whenever I have to call customer service, the representative is always helpful. One of the only things i dislike about the card are it's high late fees.
Dec 12, 2013
Photo of Ashley M.
4
By:
The Citi Dividend Platinum Select card was one of the first cards I ever signed up for. I like that it's a cash back card rather than a points card. I get 1% cash back on every purchase. Also, every quarter there are special cash back categories where I get 5% cash back . That really helps me get reward checks even faster. I don't have to worry about interest rates because I always pay on time and they gave me a very high credit limit since I have good credit. I've never had a problem with the card. I had some fraudulent charges on several occasions and they got more
Dec 5, 2013
Photo of Luan R.
4
By:
I have had this card for several years and it is a good straightforward card with a simple rewards system. I use it for all of my purchases and it has never caused me any problems or had any issues.
Nov 6, 2013
Photo of Alyxandra R.
5
By:
This a pretty good basic credit card, though you do have to have pretty good credit to qualify. The nice thing is you will earn back $100 if you spend at least $500 in your first three months as a cardholder, which isn't difficult to accomplish. The interest can be a little high if you don't pay off your balance every month, but it isn't unreasonable compared to other cards. I really like the cash back feature, which works on any purchase, though there are always certain categories that will earn you extra. Anyway, I would recommend this card to anyone looking for a basic, no frills card.
Nov 4, 2013
Photo of Zeb D.
5
By:
The Citi Dividend credit card was one of the very first credit cards I ever had. It has proved to be a very useful card. I've always had very good experiences anytime I call customer support. Being that it is part of the Citi brand, I don't think there has been any store that hasn't accept the card. I've found my annual percentage rate to be acceptable, and is on par with other typical cards as long as you don't make any late payments. I would tell people who are just starting to build credit to give this card a try. The fact that it doesn't have an annual fee more
Oct 15, 2013
Photo of Joseph G.
5
By:
I have been a loyal customer of the Citi Dividend credit card for 2 years now. Accepted almost everywhere and recognized by one and all, thats the main advantage of this card. Bought it at a time when I had to buy a DSLR which was above $500 and bagged the $100 cash back instantly. A timely buy well rewarded with! The late fee is a bit high and eat up in to the credit worthiness but then the bill payment feature can be scheduled so that we do not miss on end dates. Overall, a pretty good card that serves most purposes!
Sep 25, 2013
Photo of Stephanie S.
3
By:
This credit card was my first card and I have had it for six years. They are really good about checking to make sure I did that charge. When someone did do a false charge, it was very easy to dispute it and get it resolved. Another plus to this credit card, their website allows you to pay your bill online and is very easy to use. They also let you set up automatic bill pay which is nice so you don't have to allows remember to submit your bills.

This credit card is good for a first credit card too. The only downside is that the rewards aren't that more
Sep 16, 2013
Photo of Adelama A.
4
By:
I have been using this card since I first needed to get a credit card in 2003, and have been pretty happy with it. I haven’t used its rewards program at all, but I prefer just having a simple set-up with no annual fee. I have found support from their website and over the phone to be quite good, and have a really easy time getting problems resolved quickly. On a couple of occasions where I had charges that I disputed, I was able to get the charges reversed and settled within 24 hours. On another occasion, when I was unable to make a payment because I had needed to more
Aug 16, 2013
Photo of Nathan G.
5
By:
I have had my citi dividend platinum card since 2004 when I first started applying for credit cards. I have opened other accounts and then closed them and it seems like this citi card has always been reliable. Anytime that I have had to call customer service they were very nice and I was able to understand them well. They resolved my issue in a timely matter. I haven’t noticed that citi has played any tricks as far as billing or interest rates. When my card was getting close to getting maxed out I tried to raise my credit limit and they let me do that after checking my credit more
Apr 19, 2013
Photo of Marie M.
3
By:
This credit card works like every typical credit card. It does has it advantages and disadvantages. One of the plus side is that it is accepted in almost any place you go or you want to use it. One of the disadvantages is the high rates and the late fees. You have to make sure that you pay on time and this goes to every credit card holder. The experience overall was good and I will recommend this credit card. Is an excellent way to start building up your credit and create a history of good credit. Customer service is average but you know that in most credit card or more
Apr 19, 2013
Photo of Linda D.
5
By:
We use our Citibank Platinum Select credit card for all of our purchases. We have good credit, and our Standard Purchase APR is 8.740% as of our last statement.

By paying off our credit card and using it carefully, that is, we don't buy everything we want on credit but only buy our higher priced items and necessities on our card.
I have not used the rewards features because I do not want to be tempted any more than I am about making purchases.

Paying our bills on-line is a great feature and keeping up with our payments is easy. Citibank also sends out reminders if you would like them. We make it more
Apr 19, 2013
Photo of Elizabeth N.
4
By:
Unfortunately, I have never found the rewards program to be useful. But I have had this card for five years, and I have never had a major problem. The interest rate is high, but every card out there had a criminal interest rate, so that doesn't really change my opinion of the card. Also, a few months ago, my laptop was stolen and fraudulent charges were made to my account. The customer service reps whom I spoke to were exceptionally helpful, the charges were reversed right away, and they did follow up with some outside agencies to make certain that the old card would not be used again and it more
Mar 29, 2013
Photo of Ja C.
5
By:
Beyond my credit union credit card, this was the first credit card that I signed up for. My experience with this card has been fairly ordinary and comparable to your typical rewards card, but the one noteworthy feature that I have loved is the virtual credit card number feature. This feature allows you to generate temporary credit card numbers for use with web sites and/or merchants that you may not necessarily trust your permanent credit card number too. This feature is easy to use, free and is very secure in comparison to the traditional payment methods. I recommend this card for that feature alone.
Mar 14, 2013
Photo of Morris R.
4
By:
I applied for and received this card back in 2004, when I was 19 years old and looking to add a quality credit card to my wallet. Back then, I chose the card because of its generous benefits: 5% cash back on gas, groceries, and if I remember correct, drugstores. For everything else, they gave 1% cash back. A few years ago, they changed the rewards program. Now, 5% cash back is given on revolving categories that alternate on a quarterly basis. The 1% has remained the same. I have no complaints about the card: the customer service is great and there is no annual fee. Once, I missed a more
Mar 6, 2013
Photo of Yoshie P.
5
By:
The rewards on this card are phenomenal and I've never come across a better card in my life. Every month the rewards seem to be tailor-made for my spending, and it shows when I trade my points each time. The interest rate is awesome, the card is accepted everywhere and is never a problem, and there are many other special offers too. Whenever I've had to contact customer service, their personnel is professional and friendly every time. Their website is easy to use and tracking your spending is extremely simple. I highly recommend this card to everyone and especially those looking for great cash back.
Mar 1, 2013
Photo of Jaylene H.
5
By:
This was my 2nd Credit Card and I've had it since I was 22. I absolutely love it. I've never had a problem with the billing or payments. It's super convenient and easy to use. I think I will probably have this card for many more years to come. The credit limit is perfect to my standards. I love the Rewards that I have received and perks and benefits with using my card. I told myself I was going to only use it for emergencies but after I realized that it is super convenient to be able to pay the bill I am now using it for things to get more
Feb 21, 2013
Photo of Vinita N.
4
By:
This is a great card to use if you can make all your purchases each month on it and then pay them all off when the bill comes due. If you just use the card occasionally, the whole cash back angle is pretty insignificant. One of the good things that Citi seems to do in my experience is up the limit as long as you're using the card a lot.

I got this card because I needed to buy a refrigerator and due to the price of the appliance, I got to take advantage of their introductory deal on the card where if you make a big purchase within a few more
Feb 1, 2013
Photo of Dan T.
4
By:
I’ve had my Citibank card for almost 1 year now. We initially opened the account to take advantage of an 18 month interest free period. We made some major purchases on the card in order to make improvements to our home. The card is accepted everywhere, and the online account system is navigation friendly and easy to use. All in all, I’ve been quite happy with this card. Account representatives have been friendly and easy to deal with. I anticipate keeping this card open, even after the balance transfer period expires. We were given a very fair interest rate, and that is the primary reason that we will stay with more
Jan 18, 2013
Photo of Winterlich F.
5
By:
I've had my Citi Dividend Platinum Select Credit Card for 5 years now and I can say this is my favorite credit card that I own. I love the low interest, the excellent customer service and the generous cashback. I find myself earning cashback twice a year ($100), just for using my card. And my interest rate has dropped from 11.24% to 5.99%, which is very low. Customer service always wants to help in any situation possible. They have helped me win disputes, gave me extra time to pay and gave me courtesy credits for being a valued member. Now that's what I call customer service. The online interface is more
Jan 11, 2013
Photo of Freddie O.
5
By:
The Citi® Dividend Platinum Select® Visa® Card is quite amazing. I had to call to apply for this card, and when I was approved the helpful customer service agent rewarded me with a sincere “Congratulations!”. The card holder receives a portion of cash back for each time the card is used, and the cash back amount needs to reach $50 at the statement time in order for a check to be issued. However, the card owner must submit a request for the check to be sent. Additionally, the minimum monthly payment can be as low as $20, so with both the cash back option and a cheap minimum monthly payment more
Dec 7, 2012
Photo of Kristen G.
5
By:
I applied for this card a little over a year ago. I really wanted a card that offered the benefit of 0% interest on balance transfers. Once I received this card, I transferred a $1,000 balance and was able to save a lot of money on interest payments. It was a lifesaver. I was able to have a better handle on my debt and now I have paid it off. It was nice to have this credit card as a backup, too. I thought the online site was very convenient and user friendly. Anytime I had a question, I received a prompt answer. That makes it a lot easier for more
Nov 23, 2012
Photo of Jamal B.
5
By:
I've been using this card for over 5 years now and I love the rewards it brings. I have redeemed the rewards of my card several times now and have never run into problems. Citibank provides excellent service as I have had my card stolen before. All charges were taken off and I was issues a new card immediately. This credit card is my card of choice with no annual fees and provides an easy way of keeping track of purchases and rewards. While most cards limit qualifying purchases towards rewards, this card offers a reward towards every dollar you spend. Overall it is a very great card and I more
Nov 20, 2012
Photo of Mitzi B.
5
By:
I recently got this card and I love it. The online tracking is phenomenal. Also this is one of the few cards that has a rewards program that you can accumulate money on pretty quickly. I also got a special cash back bonus for spending a certain amount within three months which was very nice. This is also one of the cards where the interest rates were not extraordinarily high so that was nice change from seeing all the high interest rates on comparable cards. Also the reward program is nice as the rewards are not restricted to any categories but is a flat rate of 1 percent. All in more
Nov 8, 2012
Photo of Nessa S.
4
By:
I love this card! First off, the sign-up bonus is great. Spending $500 in the first three months of having the card is no problem, and Citibank gave me $100 in rewards for doing so. I love the consistent rewards rates on purchases I make regularly. The card carries no annual fee, which is also nice. It's very easy to keep track of my rewards through the company's website. The high interest rate is to be expected with a card like this, but paying the balance every month keeps those interest charges away. All in all, this is a handy card to have on hand if you want an above-average, more
Oct 11, 2012
Photo of Liz B.
4
By:
I've had this credit card for something like eight years-- it was my first card. It’s still the only card I use because I don’t spend enough to rack up points with other cards, and this one is fee-free. I like that I get cash back from the purchases I do make, and all I have to do is call to get my check—very easy. I do wish I could have a check sent to me by accessing my account online, and I’ve tried that, but it doesn’t seem to work. Still, I haven’t had any problems with my card, and they’ve notified me several times when a big purchase more
Nov 30, 2012
Photo of Card H.
Card Hub
Getting the 30,000 points is easy, but you do have to put at least $500 dollars in charges on the card in your first three months.
Oct 4, 2012
Photo of Adam J.
4
By:
This Citibank card is pretty useful. It is generic, but in a good way. Most credit cards have some sort of rewards plan built into them, and they usually equate to about a cent earned per dollar spent. The problem with most credit cards is that these earnings are restricted in that you can only spend some on certain goods, like airfare or certain vendors. I was attracted to this Citibank card because it simply gives you cash at the same rate (1 cent per dollar spent). They don’t subtract any fees from that amount, and it ends up being a pretty good deal.
Sep 27, 2012
Photo of Bob H.
4
By:
I recently got this Citi Dividend card to transfer the very last of my debt from a high interest credit card. I was very quickly approved and the whole application process was easy and straightforward. Because I just got this card, I haven't yet had a chance to use their rewards. But I am excited that if I make $500 in purchases in the first 3 months, I get $100 dollars back. That's a pretty good excuse to spend with this card. I've heard a lot of good things about Citi over the years and am now very excited to have a card with them.
Sep 20, 2012
Photo of Adrienne D.
5
By:
This card is great. I have always had a Citibank card, but I think I like this one the best because it was the first card I have had that offered a reward for spending money I was already going to spend. They actually gave me the $100 pretty quickly. I would assume that it would not come until after the 3 month period. I got it after a month. I also love the customer service I have with Citibank. They are always so polite and professional. I never have to ask a question more than once, which is nice. This is probably the best card and company out there. more
Aug 30, 2012
Photo of Chris W.
4
By:
I've been a Citibank customer for about a year now. So far my experience with Platinum Select Visa has been pretty good. I got an extra cash back bonus for spending a certain amount within 3 months of having the card, which was nice, because I was going to make those purchases regardless, so getting some cash back was icing on the cake. There's no annual fee, which is an absolute necessity for me nowadays. The cash back rewards are pretty standard: 5% on rotating categories (changes quarterly) and 1% on all other purchases. There are several other cards that offer the same type of cash back bonus reward system, more
Aug 30, 2012
Photo of Kelryse B.
5
By:
I have this credit card and it's really reliable. Citibank is a really trustworthy company. I haven't had any problems with this or any of the other cards I have with them. Customer service is second to none. Usually I hate calling companies because you never know when you are going to get the chance to hang up. They are not pushy at all and listen. I have had no problems with identity theft or anything like that. I think this is a great choice for your first ever credit card. The only thing I don't like about it is the Rewards Program, which is pretty useless. Otherwise, I highly more
Aug 22, 2012
Photo of Sydney S.
2
By:
I have had this card for over 6 years now. I was very disappointed when my APR was increased without having a late payment or defaulting in any other way. I am someone that is currently working to pay off their debt and this is the first place I have to address as it is now the loan with the highest interest rate. I also really dislike that half the time I've had to speak with customer service they are always trying to up-sell me something (eg. identity theft protection). Usually when I call I am on a mission but I am friendly to a fault, so I usually end more
Aug 22, 2012
Photo of Golden E.
5
By:
My parents signed me up for this card about a year ago: I needed to actually borrow some money, since my credit score was non-existent before, and things like not having a credit score come up as red flags on background checks for interviews and such. Well I've used it a bit, always paying it off in full each month, and my credit score is in the 800s! I would highly recommend this card, it has proven invaluable in emergencies like when I was overseas and needed money for a place to stay. It charged a little extra of course for being used outside the US, but that's to be more
Aug 1, 2012
Photo of Juan N.
5
By:
I've used this card since 2004 when it was a mastercard but its pretty much the same. I have no trouble with it thus far (knock on wood). I have had to call customer service couple of times but it was all good experiences with them. They work hard to resolve your issues. If their are any charge-backs, all you have to do is file the claim and it is taken care of. Very simple and effective. I have used this card overseas and while there is a 3% fee, again it poses no problem. I just call customer service and tell them that I will be traveling and they more
Aug 1, 2012
Photo of Tennille L.
5
By:
This Citi Dividend Platinum Select Visa Card was a great choice in deferring incurred interest for 12 months. I took out a credit line of 2500$, and the minimum payments were very reasonable! I would recommend this card to anyone who is looking for a quick line of credit without the interest for a year. This card is a great way to earn good credit as long as you use it correctly. I gave this card five stars because by credit went from 780 to 830 which is excellent credit. If you can manage your money wisely I highly recommend this credit card!
Jul 25, 2012
Photo of Nerissa W.
4
By:
I have had the Citi® Dividend Platinum Select® Visa® Card for about six years. I was very happy with their offers of 0% balance transfers and 1.99% balance transfer offers for many years. I did use this for some business transactions here and there. Once my balance got a bit high, they sent me a letter stating they were upping my interest rate to 29.99% from the current rate of 17.99% that I was paying. I was not happy that I pay on time, all the time, and never missed a payment, but yet I was punished for being a good customer. This is not the only Citi I have, more
Jul 25, 2012
Photo of Andrew M.
5
By:
I applied to get a Citi Dividend Platinum Select Visa Card to transfer a credit card balance. I was accepted and I was able to transfer a balance of $2000 for 0% for 12 months. That saved me a bunch of money at the time coming from a 14% interest credit card. Cash advance fee was 3% but still worth it. The transaction was simple and convenient.

Purchase APR was also 0% for year, which then changed to 10.99%. Even though I feel that is a little high, I pay off my balance every month so it doesn’t matter. The rewards program is only ok for me. I don’t travel much more
Jul 25, 2012
Photo of Liz B.
5
By:
I've had this card since 2006 and use it everywhere, even overseas occasionally. I like that it's Visa so is accepted pretty much everywhere. I like the rewards/cash back that I get when I use it and can rack up quite a few throughout the course of the year, enough to get some decent cash back to use for special occasions. I use my credit card whenever possible to help me get more cash back. I've never had a late fee and since there are no annual fees, it makes this card very affordable. Being able to check in on my account online is very helpful as well.
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Last updated on: Sep 15th, 2014 at 8:15 EDT