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Citi® Dividend Platinum Select® Card
Issued By: Citibank |
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Secure, Free Online Account Management
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$0 Liability on Unauthorized Purchases
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Citi® Identity Theft Solutions
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No Annual Fee
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Earn Unlimited Cash Back by Shopping Within the Citi® Bonus Cash Center
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Earn Cash Back on Qualifying Balance Transfers on Eligible Cash Advances
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Earn 5% Cash Back at Gas Stations, Supermarkets, Drugstores, Convenience Stores, and Utilities including Cable for 6 Months and 2% Cash Back thereafter, Plus 1% on all Other Purchases
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0% APR on Balance Transfers for 12 Months - a Balance Transfer Fee Applies with this Offer*
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CreditCard49 Rating
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Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Intro Good On |
Credit Needed |
0.00% |
12 months |
999.000% |
none |
Balance Transfers |
Very Good |
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Card Info Last Reviewed 2007-07-24 |
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Our Review
The Citi® Dividend Platinum Select® Card, issued by Citibank, is designed for those with very good credit who plan to take advantage of the cash reward program.
Through the reward program, cardholders earn a 5% cash back rebate on purchases made at supermarkets, gas stations, drugstores, convenience stores, and utilities including cable for six months and 2% thereafter, and they earn a 1% cash back rebate on all other purchases as well as on qualifying balance transfers, cash advances, and convenience check transactions. Cardholders will receive $5 Dividend Dollars for each balance transfer transaction of $1,500 or more. Cardholders can earn unlimited cash back by shopping within the Citi® Bonus Cash Center, but the rebates earned on all other purchases are subject to a $300 maximum per year. A $50 check will be issued upon request once $50 Dividend Dollars have been earned.
The card has an average interest rate for purchases, and it does offer an attractive twelve-month introductory rate that can be applied towards balance transfers with no annual fee. However, there is a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.
The card also provides platinum cardholder benefits that include up to $1,000,000 in travel accident insurance, auto rental insurance, car rental discounts, and various travel and emergency assistance services.
Therefore, those who plan to take advantage of the cash back reward program and the introductory rate on balance transfers will benefit most from what the Citi® Dividend Platinum Select® Card has to offer.
Additional Perks
Various Internet account related services.
No liability for unauthorized transactions.
Identity theft solutions.
Fraud and security protection services.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Automatic bill payments.
Year-end financial statement (upon request).
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Medical referral services.
Legal referral services.
Lost luggage assistance.
Discounts on auto rentals.
Optional personal photo on card.
See website for additional benefits.
Notations
The APR for purchases and balance transfers varies according to the applicant's credit history and will be 4.49%, 7.49% or 9.49% + Prime Rate.
The minimum APR for cash advances is 19.99%.
See website for complete terms and conditions of card usage and application disclosure.
View Website Details
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