Citi® Dividend® Card for College Students
Sponsored Card
- Minimum Credit Required:
Excellent, Good, Fair, Limited History - Annual Fee:$0*
- Network: VISA
Cash Back
| Initial Bonus None |
Base Earn 1% |
Max Earn 5% |
Earn / Redeem Limit Yes |
- Earn bonus cash back each quarter on new must-have categories– like department stores, travel and more, with enrollment.
- Earn a full 1% cash back on all other purchases.
- Free enrollment each quarter for new categories that earn additional cash back.
- Manage your account online, on your tablet or on your Smartphone.
| Intro Rate 0% |
Intro Period 7 months |
Regular Rate 13.99% - 23.99% (V) |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate13.99% - 23.99% (V) | Balance Transfer Fee 4% (min $5) |
| Cash Advance Rate 25.24% (V) |
Cash Advance Fee 5% (min $10) |
- 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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Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Citi® Dividend® Card for College Students shown on this page.
The card information shown on this page was last updated: May 2nd, 2013 at 11:37 EDT
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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 fact that you need to earn at least $50 cashback in order to get a check. So, unless you charge a LOT of money on your card, you won't see a check.
April 20, 2013 at 02:31am
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 one. Their just not plausible, especially for most college students.
April 19, 2013 at 03:55pm
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 just wanted to say that I am just now getting all the back paying done since I live on a very small payment. To any students out there this is a great card, but use responsibly!
April 5, 2013 at 03:58pm
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 be disappointed. The rewards on the card are great and I expect will only get better with time.
March 6, 2013 at 07:35pm
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 bit more independence and was a relief to my parents. The spending limit was fairly low, and that was my only complaint about the card. However, a low spending limit is probably good for a college student.
November 30, 2012 at 06:04pm
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 been very helpful in replacing my card as well as helping me rule out if I needed to disupte any charges that were posted to my account during the time that my card was lost. The one thing I did not like is that the company is not very lienient or understanding of issues that customers might have. For example I was out of the country for one of my payments and missed the payment date and when I got back I called to see if the late fee could be waived because of my situation and they were not very helpful or understanding.
November 23, 2012 at 10:12pm
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.
November 21, 2012 at 02:47am
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 my job and usually spend around $90 on gas every week. The added Dividend bonus from gas purchases, coupled with the ~$1000 I spent on school books/parking has already earned me a very sizable cashback reward check. Overall I am very pleased with this card and would highly recommend it to any college student looking for their first credit card.
August 22, 2012 at 06:38pm
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 rewards items such as gas or emergencies, but it is definitely a decent first-time card that I would highly recommend to any first –year college student who has never had a card.
August 22, 2012 at 04:32pm
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.
July 25, 2012 at 03:18pm
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 convenient and easy to understand. This is a great credit card and I have recommended it to several of my friends already. I would have no qualms about recommending this card to anyone who asked.
July 12, 2012 at 05:03pm
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 recommend this card for undergraduate or graduate students.
July 12, 2012 at 04:54pm
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 cash back bonus, too, just like other major credit cards (which helps get him acquainted with how to make a card work for him, financially speaking). Best of all, no cosigner necessary on this card! (meaning mom and dad don't have to put our credit scores on the line). All in all, this is a great choice for college students.
July 12, 2012 at 03:30pm
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 get 1-5% back on things that I was going to buy anyways. I almost always pay my balance off in full every month, though I just missed the payment date just once, which caused my interest rate to increase for a couple months. My fault, though. It did get stolen once, but customer service was very helpful in getting the fraudulent charges revoked. Overall, this card would seem to be as good as any other card, and I would have no problem recommending it.
June 27, 2012 at 05:03pm
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 time there's no problem.
June 27, 2012 at 05:01pm
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.
May 22, 2012 at 12:33am