Citi Dividend Credit Card Review

Rewards credit cards generally offer either miles, money back, as well as points for merchandise as well as gift cards. The Citi Dividend Platinum Select Visa Card is Citibank’s cash back card, plain and simple. If it looks a bit acquainted for you, it might be as this card is virtually identical to the Citi Dividend Platinum Choose Visa Card for college students; apart from it features a sign-up bonus offer minimizing APR. If you’re searching for a credit card which rewards purchases along with cash, the Citi Dividend Platinum Choose Visa will probably be worth considering.

Key Features

  • Sign-up Bonus. You get $100 cash back once you make use of your card to make $500 in buys within 3 months of opening the account. This cash back offers are not included in the annual optimum build up.
  • The Citi Dividend Platinum Select Visa card charges absolutely no yearly fee. Balance transfer offers are general $5 or 3%, whatever is greater. There’s also an international transaction fee of 3%.
  • Earn Cash Back. You’ll be able to earn 5% cash back in every quarter category. For instance, from July to September, you can earn 5% at Hilton hotels, rental car agencies, cinemas as well as theme parks. Buys outside the active category earn 1% cash back. There’s a $300 yearly cash back maximum which may be earned, except while shopping along with Citi Bonus Cash Center’s 400-plus retailers, which permit limitless cash back earnings (as well as average about 5%).
  • Dividend Dollars. Cash back is gained by means of Dividend Dollars. You’ll be able to earn at most 300 Dividend Dollars each year (Jan to Dec) and may redeem them for checks in $50 batches. Dividend Dollars which are earned on purchases with the Citi Bonus Cash Center aren’t susceptible to the $300 annually optimum. Additionally, you earn $5 cash back on personal balance transfer offers made from a minimum of $1,500. Dividend Dollars don’t expire so long as you make a being approved purchase every Twelve months.

Basic Information About it:

  • No Intro APR on Purchases and Balance Transfers for 12 months
  • No annual fee
  • 3% fee for balance transfer


  • Earn 5% cash back at home furnishing stores in Jan., Feb. and March
  • Earn 5% cash back at Drugstores and fitness clubs in April, May and June
  • Earn 5% cash back at Hilton and car rentals in July, August and September
  • Earn 5% cash back at Holiday shopping and department stores in October, November and December


Earn Bonus of $100 in purchasing within the first three months of account opening, 1% of base earn on any purchase and 5% of the maximum on different items during different months.

How to Apply:

  • Click this application link to sign for the offer
  • Press “Sign Up Now” button to be redirected to the next page
  • Press “Register Now” button to get started
  • Provide required information on the next page
  • Follow the on-screen instruction to complete the online registration