Citi Dividend Platinum Select Card Reviews - Citi Dividend Card - Citi Dividend Mastercard

Citi Dividend Platinum Select Card

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issued by Citibank
Rating:

Best Feature: No annual fee; Access to reward program.
Others: Minimum APR cap for cash advances.

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Considered as a cash rebate credit card, the Citi® Dividend Platinum Select® Card has the ability to pay off a rebate of 2% on purchases made at convenience stores, restaurants, drugstores, gas stations, and utilities. A rebate of 1% is also given to the cardholders for general purchases. With this, you can earn as much as $300 rebates each year. But purchases made from the Citi Dividend Merchant Network is considered to be exempted from this cap. You have the option to get another identical Citi card if you reach your $300 limit. The cash rebates are redeemable in denominations of $50. But keep in mind that you need to request for your rebate checks yourself.

Key Features:

Citi Dividend Platinum Select Card

Earn 5% cash back at gas stations, supermarkets and drug stores, convenience stores, and utilities including cable for 6 months and 2% thereafter.
Earn 1% cash back on all other purchases
0% APR* on Balance Transfers for up to 12 months
No Annual Fee

Terms and Conditions

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% for Balance Transfers*	up to 12 Months*	as low as 10.99%*	None*	Yes*	Excellent Credit*

Great incentives await those individuals who will apply for Citi® Dividend Platinum Select® Card. A cash back of 5% is given if you spend the card at supermarkets, convenience stores, drugstores, gas stations, and utilities for six months. Thenceforth, it returns to the usual rebate of 2% for the items that were mentioned.

Regarding the APR and the annual fee, the Citi® Dividend Platinum Select® Card offers a very amazing treat. There is no annual fee, and the APR is equally as low as that of the prime rate plus 5.99%. This cash rebate credit card of Citi makes use of the average balance method to determine your monthly balance, including the new purchases.

When it comes to balance transfers, the Citi® Dividend Platinum Select® Card offers 0% on balance transfer transactions for one year, starting from the date of transfer. This is part of the introductory APR offering. But you have to remember that there’s a balance transfer fee for that. If you’ve made a balance transfer of $1,500, you’ll be rewarded with rebates of $5.00.

On the whole, the Citi® Dividend Platinum Select® Card pays more than the usual rebate of 1% which most cash back credit cards pay. For that reason, this card is recommended to those individuals who like to receive more than 1% rebates. It is also considered as the only credit cards that have the ability to pay 2% on convenient stores as well as utilities.