Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back Sponsored Card
  • Minimum Credit Required:Excellent
  • Annual Fee:None
  • Network: VISA
  • Rating:
    3.9
    5 votes - Cast your vote
 
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Rewards: Yes Type:  Cash Back
Initial Bonus $100 Base Earn 1% Max Earn 5% Earn / Redeem Limit Yes
Reward Details:
  • $100 cash back after $500 in purchases within the first 3 months of account opening.
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
  • Full 1% cash back on eligible purchases and cash advances.
 
 
Purchases:
Intro Rate 0% Intro Period 12 months Regular Rate 12.99% - 22.99% (V)
Balance Transfers: 
Intro Rate0% Intro Period12 months Regular Rate12.99% - 22.99% (V) Balance Transfer Fee 3%
Cash Advances:
Cash Advance Rate 25.24% (V) Cash Advance Fee 5% (min $10)
 
 
Additional Info:
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • No annual fee.
  • Max Late Fee:  $35
  • Max Overlimit Fee:  None
  • Max Penalty APR:  29.99% (V)
  • Grace Period:  23 days
  • Online Response:  No
  • Foreign Transaction Fee:  3%
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Your Recommendation
3.9
Your Rating: 1 2 3 4 5  
Overall Rating: 3.9 / 5 from 5 users

If you currently have the Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back and are satisfied or you like the terms of this credit card offer please let your friends know.

 
 
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Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back is related to the following credit card categories:

 
 
 
About the Issuer: Citibank

Based on their website: "Citi is today's pre-eminent financial services company and was built to create a highly diversified financial services company that could act as one to deliver solutions to clients throughout the world.
With the most diverse array of products and the greatest distribution capacity of any financial firm in the world, their 350,000 employees manage 200 million customer accounts across six continents in more than 100 countries."

 
 
back to top Discussion

Share your experiences, thoughts or just ask a question:

  • Joe Weider:
    There are a ton of rewards credit cards out there and it can be difficult to figure out which will pad your wallet the most. No I’m not talking about a squishy card that’s comfortable to sit on, rather a card that will maximize your free cash. Branding doesn’t provide much of a clue because it seems like every card has “gold” or “platinum” in its name. Instead you gotta take a look at exactly what a card offers and figure out its actual practical effect using past months’ spending. Well, the Citi Dividend Platinum Select Visa Card -- $100 cash back obviously offers a $100 cash back bonus (in return for spending at least $500 in the first three months), but it also offers 5% cash back on purchase categories that change quarterly (which you have to sign up for each quarter) and 1% cash back on everything else. In terms of rates, the Citi Dividend Platinum Card offers 0% on purchases and transfers for 12 months. Might seem pretty darn good, but when you consider that you need excellent credit to get Dividend Platinium Citicard, it’s really not. See, excellent credit can get you hundreds (plural) of dollars in free money or as long as 18 months with 0%. What about both? You shouldn’t try to get an all-around credit card because doing so will likely mean sacrificing all-aound. If a credit card excels in one respect, it usually comes up short in others. If it doesn’t excel in any area, there are obviously better cards to get. So instead of opening the Citi Dividend Platinum Select Visa, either focus on getting the best possible card for your main need (e.g. rewards or low interest) or two cards that together provide the best possible terms attainable. As far as rewards go, if youre looking for a card for ongoing use, you should get one with rewards matching your spending habits. This obviously depends on the individual, but some good cards to start with are the Blue Cash Everyday and Blue Cash Preferred from Amex. If you want a great initial balance, go for the Chase Sapphire Preferred. If you want the longest possible 0% rate, there are three citicards offering it for 18 months. Strategically opening one or a couple of these cards in conjunction will provide more benefit than the Citi Dividend Platinum Select - $100 cash bonus card.
 
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