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Offered by: CitiBank

Citi® Dividend Platinum Select® Visa® Card

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% CASH BACK in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: 645
Typical High: 793
12 Months*   12 Months*  


12.99% – 22.99%*


12.99% – 22.99%*





* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate


Annual Fee


Late Fee

Up to $35

Cash Advance Fee

5% of each cash advance; $10 minimum

Balance Transfer Fee

3% of each balance transfer; $5 minimum

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees






Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0*
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

1. $100 cash back after $500 in purchases within the first 3 months of account opening

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 1,548
Data Created: February 02, 2015

62 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

Poor customer service

I have been a cardholder since 2012. I patiently wait until my cash back balance reaches $50 until redeeming, no problem, I know that's the deal. Became eligible for my cash back in early December 2014, and requested my check. A month goes by, nothing came. I called customer service mid-January, requested a new check as the first had apparently been lost in the mail. As of mid-February, still nothing, and it had now been 2 months. Called back, explained I had been waiting over two months for the rewards check. Turns out they never re-issued in January. Considering the two month wait, I requested they just issue the rewards balance as a statement credit. They refused and are insisting on sending me a check in the mail for a third time. Such poor customer service, I am thinking of closing the account, I guess three years of my business doesn't mean much to them.

Feb 16, 2015
Great card; horrible credit card company Helpful to 1 out of 1 people

After more than 30 years as a customer, they instantly cancelled my account when I informed them that my husband had passed away. All my other credit card companies have just transferred the card into my name. Very harsh treatment at such a difficult time.

Jan 15, 2015
Citi Bonus Cash Center is hocum

Used to have this card. Never received the dividend points for shopping through Citi's "cashback bonus center". When called up customer service, was told that apparently they can not confirm that the purchases were actually made. Pathetic attempt, because the purchases were also in my statements by then and I had already paid up for them.

Lost more then $100 using this card. Never will have an account with Citi. My advice stay away, Citi's bankruptcy was not only financial, it is professional as well.

Bye, bye Citi !

cloudfighter's response was:    

Dec 22, 2014

cloudfighter(1, 0)

You may not receive dividends.

The Citi Dividend card will ONLY pay you your dividends (cash back amount) in increments of $50.  If you close the account with a balance, you will lose your dividends.  If the card isn't active for 12 months, you will lose your dividends.  If you don't use the card very often, your dividends balance will just remain.

I've put about $2000 on the card and earned about $33.  However, Citi won't pay me my earned dividends until the balance reaches $50.  I figure I'd have to spend another $950.

I applied for the card for the cash back but won't use it if I'm always "chasing" the dividends.  I found all of this out by recently emailing customer service after I couldn't figure out how to redeem my $33.  They didn't give me a reason why they only pay cash back in increments of $50 only that that's their policy.

Nov 03, 2014
Just got this card before close !

I was so lucky to get this card at 8/28 before the application closed. (FICO score is 717 at that time) Now, it was replaced by the double cash back and no citi dividend card anymore, like Forward card. Citi usually would provide a nice credit card. However, if they figure out which card could cause them more money rather then earn profit, they would close the card. And usually, there is no sign for that. You would hear the rumor that they are going to provide new card but no idea which card and when would be closed.

But anyway, this card's pro and cons have been discussed several times. Comparing with Chase Freedom and Discover it, its 5% rotated catagory is not so useful sometimes. But it is not a bad card for a starter and not difficult to get a one since it provides 1% cash back at everything and $100 bonus. Once you have enough credit history, you should get 2% Fidelity or 3% cash back Huntington Voice and mix your best combination to get maxium cash back.    


STEFFAAAAA's response was:    

Sep 26, 2014


See all 62 Reviews of Citi® Dividend Platinum Select® Visa® Card

† These Approval Odds represent Credit Karma's estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from September 2014 through February 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.