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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

63 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

Disappointing Helpful to 0 out of 1 people

I've had this card for more than TEN years and ironically it has the lowest line of credit at $3,500. All of my other cards are at least 10K and up. When I inquired two weeks ago about getting the limit raised they wanted me to switch to the Double Cash card and cancel the Dividend card. After telling them that I already have money still on this card and if the rewards would transfer they said no. Why offer since I'm still below the minimum of $50 to redeem? They were fast to replace the card after a break in but the rotating categories have gotten worse, as well as fewer participating stores in each category. Don't get me wrong I read the fine print but I'm getting tired of this card and they are also extremely limiting when it comes to balance transfers as well. If you think you can get a credit card to do a student loan transfer with Citi you'd better think again. Discover has card limits that are too low and I'm looking for a card to replace this one, however my Capital One Quicksilver card Visa Signature with no annual fee is much better  (and NO foreign transaction fees, unlike Double Cash). I just don't use this card and will probably cancel it after I find a different card (non Citi) that will work with my spending habits to increase rewards. My payments have been 100% on time and ahead of the grace period so I don't earn them interest.

Marange's response was:    

Apr 26, 2015

Marange(3, 9)

Poor customer service Helpful to 1 out of 1 people

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 2 out of 2 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)

See all 63 Reviews of Citi® Dividend Platinum Select® Visa® Card

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for 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 November 2014 through April 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.