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 every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • 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
712 Average Credit Score Approved for this Card
656 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
12 Months*   12 Months*  

0%*

 

12.99% – 22.99%*

Variable

0%*

 

12.99% – 22.99%*

Variable

Additional Details
Click here for Additional Details

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* 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 "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

25.24%

Annual Fee

$0*

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

Year 1

Year 2

Year 3

Balance Transfer Cost

‑$527

$0

$0

Interest Savings on Transferred Balance

$4,051

$1,965

$1,291

Interest Savings on New Purchases

$1,676

$2,281

$4,487

Value of Rewards on New Purchases

$36

$36

$36

Value of Bonus Points

$100

$0

$0

Annual & Application Fees

$0

$0

$0

 
Savings:
Total Annual Savings

$5,336

$4,282

$5,814

Total Savings over 3 Years

$15,433

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

Compare Holders of this Card
Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder
Sample Size: 1,081
Data Created: October 01, 2013

56 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

Not Bad

First credit card I ever had. Approved instantly for a $4k limit without any history, not sure what my score was at the time. That was 2.5 years ago, they've since bumped me up to $5.6k and $7.1k when I asked for it.

Fantastic customer service. I've called twice to dispute charges and both times my issue was resolved in a flash, by a person without an accent.

1% cash back across the board. 5% deals every quarter, although they aren't the most useful categories. Giving it 4 stars because there are better cash back Visas out there, although this one won't do you wrong. 

LacusJ's response was:    

  Apr 22, 2014

LacusJ(2, 0)

Review by LacusJ

2 Contributions 0 People Helped

Apply at sears Helpful to 0 out of 1 people

I did BK on then twice and still received another card from them

askjim's response was:    

  Apr 05, 2014

askjim(1, 0)

Review by askjim

1 Contributions 0 People Helped

Wont approve if you've international add Helpful to 2 out of 2 people

If you have international perment home address then don't apply

Ruturaj001's response was:    

  Apr 02, 2014

Ruturaj001(2, 2)

Review by Ruturaj001

2 Contributions 2 People Helped

701 Score, well within bracket. Denied. Helpful to 1 out of 5 people

Over the years I have applied to Citi (even back when it was CitiBank) a total of 4-5 times. All I want is a card with NO ANNUAL FEE! I have talked to them on the phone in the past and told them this.

Credit Karma said I had a good chance of approval for this card so I took a chance. Denied.

This was the last time. I don't care what their reasons are. Now I will have to wait another year to apply for another card. It is so frustrating that I am being penalized because some stupid company says no.

If you have applied to Citi before, don't waste your time or your application chances!

DoneWithCiti's response was:    

  Mar 12, 2014

DoneWithCiti(1, 1)

Review by DoneWithCiti

1 Contributions 1 People Helped

horse feathers. Helpful to 0 out of 15 people

Why use a credit card. Pay cash and tell the banks, screw you.

menschel1's response was:    

  Feb 23, 2014

menschel1(1, 0)

Review by menschel1

1 Contributions 0 People Helped

See all 56 Reviews of Citi® Dividend Platinum Select® Visa® Card

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.