Citi® Dividend Platinum Select® Card for College Students Review
Issued by CitiBank
  
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Overall Rating:   Benefit Rating:  |
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The Citi® Dividend Platinum Select® Card for College Students, issued by Citibank, is a cash back credit card designed specifically for students who want to practice responsible money management.
Through the rewards program, cardholders earn a 5% cash back rebate on purchases made at supermarkets, gas stations, drugstores, convenience stores, and utilities including cable for 6 months, 1% thereafter, and a 1% cash back rebate on all other purchases. Plus, you'll earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotels, and more (enrollment required).
Cardholders will receive $5 Dividend Dollars for each balance transfer transaction of $1,500 or more. Cardholders can also earn an average of 5% cash back on purchases made through the Citi Bonus Cash Center®. The rebates earned on purchases through the Citi Bonus Cash Center® are unlimited. A $50 check will be issued upon request once 50 Dividend Dollars have been earned.
This card has no annual fee, and there is a 0% introductory rate that applies to purchases for 7 months (a rare benefit for a student card). The card also offers several platinum benefits and services such as lost and stolen card reporting, and identity theft solutions. However, it is the reward program that proves to be the best benefit available to cardholders.
Therefore, students who can afford to pay in full each month after the introductory rate expires (to avoid finance charges) and plan to spend enough to take advantage of the rebate program will benefit most from what the Citi® Dividend Platinum Select® Card for College Students has to offer.
Through the rewards program, cardholders earn a 5% cash back rebate on purchases made at supermarkets, gas stations, drugstores, convenience stores, and utilities including cable for 6 months, 1% thereafter, and a 1% cash back rebate on all other purchases. Plus, you'll earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotels, and more (enrollment required).
Cardholders will receive $5 Dividend Dollars for each balance transfer transaction of $1,500 or more. Cardholders can also earn an average of 5% cash back on purchases made through the Citi Bonus Cash Center®. The rebates earned on purchases through the Citi Bonus Cash Center® are unlimited. A $50 check will be issued upon request once 50 Dividend Dollars have been earned.
This card has no annual fee, and there is a 0% introductory rate that applies to purchases for 7 months (a rare benefit for a student card). The card also offers several platinum benefits and services such as lost and stolen card reporting, and identity theft solutions. However, it is the reward program that proves to be the best benefit available to cardholders.
Therefore, students who can afford to pay in full each month after the introductory rate expires (to avoid finance charges) and plan to spend enough to take advantage of the rebate program will benefit most from what the Citi® Dividend Platinum Select® Card for College Students has to offer.
Review Date: January 20, 2012
Note: The review on this card was updated on January 20, 2012. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
| Credit Card Rate Details | |
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Intro Rate (Intro APR):
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0% Intro APR for 7 Months* |
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Intro Applied Towards:
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Purchases |
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Additional Intro Details:
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0% Intro APR for 7 months* on Purchases |
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Purchase APR:
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13.99% - 21.99%* (Variable) (Variable) |
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Cash APR:
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25.24% (Variable) |
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Finance Configuration:
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Average Daily Balance (including new purchases) |
| Credit Card Fee Details | |
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Annual Fee:
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$0* |
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Grace Period:
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20 - 25 Days |
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Over the Limit Fee:
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n/a |
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Cash Advance Fee:
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5% of each cash advance; $10 minimum |
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Balance Transfer Fee:
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4% of each balance transfer; $10 minimum. |
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Minimum Credit Limit:
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$500 |
| Credit Card Reward Program Details (Rebate) | |
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Rebate Minimum:
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1% |
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Rebate Maximum:
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5% |
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Additional Rebates:
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Earn a 5% cash back rebate on purchases made at supermarkets, gas stations, drugstores, convenience stores, and utilities including cable for 6 months and 1% thereafter; earn a 1% cash back rebate on all other purchases. Plus, you'll earn at least 2% cash |
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Rebate Details:
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A $50 check will be issued upon request once 50 Dividend Dollars have been earned. |
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Expiration:
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None |
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Yearly Limit:
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No |
| Features |
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Most Attractive Feature(s):
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| Introductory rate; Rewards program. |
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Least Attractive Feature(s):
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| Higher variable APR for less qualifying applicants. |
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Additional Features:
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| Various Internet account related services. Build your credit history. Identity theft solutions. Optional personal photo on card. Fraud and security protection services. Lost and stolen card reporting. Emergency cash replacement. Emergency card replacement. Automatic bill payment. No liability for unauthorized transactions. Access to credit education tips and tools. See website for additional benefits. |
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Important Notations
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| No minimum income or cosigner required. See website for complete terms and conditions of card usage and application disclosure. |
| Additional Information |
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Apply Online for the Citi® Dividend Platinum Select® Card for College Students from Citibank See other Student Credit Cards See other Credit Cards Issued by CitiBank See other Visa Credit Cards |