Citi® Dividend® Card for College Students

Citi® Dividend® Card for College Students Sponsored Card
Required Credit Score: Excellent, Good, Fair, Limited History
3.5 514 reviews   Write a Review!
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Citi® Dividend® Card for College Students's Rewards

Bonus
None
Base Earn
1%
Max Earn
5%
Earn / Redeem Limit
Yes
  • Build credit while earning cash back fast.
  • 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. See Citi Dividend Card Reward Program Information.

Citi® Dividend® Card for College Students's Key APRs & Fees

Intro Rate on Purchases
0% for 7 months
Intro Rate on Transfers
Not Offered
Regular Rate
13.99% - 23.99% (V)
  • ANNUAL FEE $0*
  • BALANCE TRANSFER FEE 4% (min $5)

Citi® Dividend® Card for College Students'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%
  • Choose your payment due date.
  • No Annual Fee.
  • Click Apply Now for pricing details.
Apply Now
at Citibank's
secure site

Citi® Dividend® Card for College Students Reviews

 
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3.7
Overall Rating: 3.7 / 5
Total Ratings: 514
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Dec 5, 2013
Photo of Eric J.
4
By:
I got this credit card as my very first credit card during my last year of undergrad, mainly as a way to build a bit of credit before graduating. There's no annual fee, and the 7-month 0% APR period was perfect for my purposes. I used it several times per week, just as a way of building some credit, but even after the period ended, I found that it was worth using when I needed it, as long as I paid the bill promptly. I am looking forward to getting an even better card that I can qualify for with the good credit I built using this card.
Nov 27, 2013
Photo of Joseph G.
5
By:
The Citi Dividend card is my first credit card and I have a strong sense of belonging to it! My father always asked me to get Citi credit cards, he had an affinity towards the Citi group for some strange reasons and so he insisted that I apply for the students card from Citi. And when I wanted the student card, I was very specific about Cash back instead of earning the reward points as I would have to redeem it each and every time and they would expire if I don do so on time. The Citi Dividend's cash back along with $0 annual fee made it perfect for more
Mar 27, 2014
Photo of Robert G.
Robert Gibbs
My mom was the exact same way as your father in regard to the citi card and recommended this to me as well. I really like the grace period. As a struggling student you need all of the help you can get and I am thankful for that.
Oct 25, 2013
Photo of Lily Y.
3
By:
After I turned 18 I got this card. I felt like it was a good way to build credit. After all everyone knows how important having good credit is. There is not much to lose since there is no annual fee. I like student cards since a lot of banks offer unsecured cards that require a deposit. This card does not need that. I feel that the introduction period was a little short. A lot of cards give free interest rates for as short as year to 18 months. Being that this is a student card, the rates are a little higher. Just be careful and pay your bills and more
Sep 12, 2013
Photo of Michael C.
5
By:
I have had this credit card since my college days. That was 10 years ago and I am happy to say I have been very pleased with this credit card. Citi Bank was the only company that gave me a chance as a young adult to build up my credit. Over the years I have received frequent credit line increases, low APR’s, and no annual fees. They also have great balance transfer offers which have helped me immensely during tough economic times. There cash back program caps you at $300 but that’s still a fair amount of money to receive just for using your credit card. I recommend this card more
Sep 6, 2013
Photo of Calvin H.
4
By:
I just recently received this Citi Dividend Card for College Students about three weeks ago. So far, it is pretty nice. The only thing is that I wish I would have signed up for the non-student one. That way, I could have gotten the $100 dollar bonus for spending $500 in the first three months. However, the rewards for this card are phenomenal. While I do not use any of Q3's bonus offers, I am certain that the fourth quarter of this year will have some amazing bonus cashback opportunities. I also enjoy the fact that Citibank has the greatest online security of any bank, making me feel safe whenever more
Apr 20, 2013
Photo of Kayce B.
3
By:
I first got this credit card when I was a student in college in order to help build up my credit. The rates are pretty reasonable compared to other credit cards. However, they don't really matter as long as you pay on time and in-full (which is what I do). When I first got the card, they were offering 5% cashback on all purchases. Now, however, it's only 5% cashback on select purchases (like gas) and only 1% for the rest. The 5% cashback for gas isn't very useful given that gas stations where I live charge MORE for using a credit card compared to cash. Even worse is the more
Apr 19, 2013
Photo of Maryanne S.
2
By:
This was a good card for me as a student to help build my credit. But the interest rates were very high, I guess just how they are for all student rate credit cards because of the liabilities. But They do offer 1% cash back which over the span of a year or so will build up if you spend enough. I would recommend this card to anyone student simply trying to boost their credit rating. However, if you actually plan on getting a credit card to use it often and not just to build your score, I would suggest finding another card due to the interest rates on this more
Apr 5, 2013
Photo of Joey J.
5
By:
This is a great credit card and was my first ever credit card. I was worried at first that I would forget to make a payment on the credit card and end up having to pay heavily for it. After all all of my business class professors always stress the evils of credit cards! I decided to get one anyways so that I could start building up credit. Needless to say I was incredibly nervous. Everything went well for the first five or six months, but then come finals time last year it just slipped my mind to pay off the bill at the end of the month and I more
Aug 7, 2014
Photo of Caitlin S.
Caitlin Saia
I have continually been warned of the the dangers of credit cards as well, mainly by my parents. However, in all honesty, a credit card is important to have to begin building good credit. I am also a student and am considering trying one for this very same reason. I'm also nervous about making payments on time, especially during stressful points in the semester, but it seems like it's worth giving it a shot!
Mar 6, 2013
Photo of Jacob A.
5
By:
This is a very good credit card overall and was my second credit card. I got it because I felt my other cards limit was not high enough to cover expenses. The bonus categories could be better but I have never had any major problems with Citi Card. The only issues that I felt I have had with them is when calling Customer Service I once or twice got a person with an accent too heavy to understand but lately I haven't had those issues and from what I recall Citi is going back to American call centers. Overall a good credit card for college students. Get it, you won't more
Nov 30, 2012
Photo of Alex A.
4
By:
This Citi Dividend card was one of two cards I had when I was a college student. It was a good card for a student like me who had next to no credit whenever I got it. The rewards were pretty decent. Their standard rate was 1 point for every dollar spent, but there were some things I got 5 points for each dollar. My laptop that I bought got me 5 points for every dollar, which is a nice reward for a poor college student like I was in those days. Another good thing was is that I did not have to have a cosigner, which gave me a more
Nov 23, 2012
Photo of Donn G.
4
By:
This was my frist credit card as a college student and an adult for which I paid my own bills etc..It was failry easy for me to get this credit card given that I had no credit history and just a part time job as a sales associate. My dealing with Citicards has been very positive and I have never had any problems with them. I like the cash back offers that they feature every month and they change from time to time allowing me to get cashback for purchases when I used my Citicard. I have also lost my card once or twice and the customer service representatives have more
Aug 22, 2012
Photo of Brian B.
5
By:
My experience with Citibank in getting my first credit card has been great so far. I wanted to try to find a credit card that had no annual fee and also had some sort of reward system. The Citi Dividend Platinum Select card fit both of those specifications and seemed like the best option for me to boost my credit rating. I found the card on the Citibank website, applied online, and was approved immediately. The whole process took less than 30 minutes! I have had the card for about a month now and so far everything is going great. I am required to do a lot of driving for more
Aug 22, 2012
Photo of Dima I.
5
By:
This was my first card I ever had as a college student. My parents helped find this card for me as a good way to establish my credit history, and it has definitely completed the job. I first had an issue with this card at school because I was using it in a different state than issued. Customer service was more than helpful very quickly; they verified my information and allowed me to finish the purchase right away. This card is helpful for college students because there is no intro rate for the first 7 months. Due to a high interest rate, I have avoided using the card except for more
Jul 25, 2012
Photo of Casey S.
4
By:
I've been using this credit card as an introductory card to build some credit. The introductory rate was 0%, which was nice. The rates after the introductory period are pretty high, but not unmanageable. There is no annual fee, which is nice. There was no co-signer needed, which was a plus for me. The cash-back rewards program is pretty good- I've made a little over $100 from that so far. I pay off my card on time every month, so I've never had any real problems. I feel safe using this card. I recommend it to college students who need to build up some credit.
Jul 12, 2012
Photo of Anna J.
5
By:
I am a college student and I have been using the Citi Dividend Platinum Select Card for College Students. Citibank has been my bank for many years, and they made it easy for me to apply for and use this credit card. Although I originally just planned to use the card for emergencies, I have begun using the card more often for everyday purchases and to pay my bills, in order to take advantage of their CashBack offers. Through responsible credit management, I have managed to increase my credit limit over the past year or so. Citi has excellent customer service, and I have always found their online statements to more
Jul 12, 2012
Photo of Charlena S.
5
By:
This card really helped me through my college years, especially with unsuspecting expenses and buying required books for class before financial aid was disbursed. Grad school can be expensive and when you’re in school full time and interning, it is hard to work full time, so the credit card helped during weeks where I made less money and with the interest rate being so low after the introductory period paying the minimum or paying it all back monthly wasn’t a problem. It was also great not needing a cosigner because it allowed me to build my own credit and not having to worry anyone else about making payments. I highly more
Jul 12, 2012
Photo of Georgiann O.
5
By:
The Citi Diividend Platinum Select Card has been invaluable to our family over the last couple of years. I helped my son look for a card he could use to get his credit history started and we came across this card. After really looking it over we immiediately knew this was the right card for him. He is a college student going to school out of state so we wanted to get him a credit card he could use in emergencies or for necessary things (like school supplies, food, gas etc.). This card is just great. It has NO annual fee and the introductory rate was 0%. It offers a more
Jul 2, 2012
Photo of Filipe L.
5
By:
I really like this card, they offer many benefits and they have offered to increase my credit line a few times over the years. I have been using this card now since 2005, and it has not given me any issues. I use online statement and like the convenience of that feature. I also like how customer service is always quick to respond and you are not waiting online for a long time for someone to come on and help you. This is a great card and I would recommend it to my friends and family. While the credit limit may start out small, with a good payment history they more
Jun 27, 2012
Photo of Kandis S.
4
By:
I have had this card for a few years now, and I have mostly had good experiences using it. I started using it in college as a way to build up credit. I have mostly used it for buying gas and groceries, and the occasional major purchase that I had the money to pay it off right away. It was also handy for emergencies. The credit limit starts off pretty low, but that was not a factor for me; as a poor college student, I did not spend all that much each month anyways. The cash back reward is not much, but it is nice to have, as I can more
Jun 27, 2012
Photo of Reita M.
4
By:
I have had this card for 7 years now-- I didn't have great credit at the end of college, so this was the best card then. It works great, they have changed their percentages of cash back (and the categories for extra rewards), but they have always had great deals. The website is easy to navigate and auto-pay your bill. I have also increased my credit limit a lot over the years, which has helped my credit score. There is no annual fee, and you can redeem your rewards any time you have at least $50. The late fees are a little high, but as long as you pay on more
May 22, 2012
Photo of Shelly C.
5
By:
The Citi Dividend Platinum Select credit card is awesome. I got it one day at a showcase on campus. It is my first credit card and I am really enjoying it. I love that I can earn money back on my purchases. I mainly use the card to make gas purchases and emergencies to avoid high interest rates and also to build credit. The only problem I have ever had was when I was charged two times for a purchase. I called customer service and they were really nice and everything was taken care of immediately. I definitely recommend this card.
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+493 users submitted a rating without a full review
 
Nov 21, 2012
Photo of Marisela B.
By: Marisela M. Bolebruch
I was denied for this card. I'm an authorized user on my mom's American Express and I have some student loan debt. Can you give me some info on why I was denied? Should I drop the AMEX and then reapply for another student card? Was the AMEX the reason for the denial, or the student loan debt? Also, annual income is a little over $7,000, and I'm a full time university student.
Dec 27, 2012
Photo of Card H.
Card Hub
Each credit card issuer sets their own credit standards, if you want to find out why you were declined, you'll need to call their customer service.
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Last updated on: Aug 7th, 2014 at 12:25 EDT