Citi Dividend Platinum Select Visa Card Review

by Hu$tler on June 19, 2014

in Citibank Credit Cards,Credit Card bonuses

Citi Dividend $100 BonusThe Citi® Dividend Platinum Select® Visa® Card offers a $100 cash back when you spend $500 in the first 3 months of account opening, gives you more ways to earn cash than many cards do. Enjoy generous rewards on credit card purchases and a bevy of other benefits- all with no annual fee and 0% interest for the next 12 months on purchases and balance transfers. Earn 5% cash back this quarter and every quarter on changing categories like home improvement, travel and more- as well as 1% cash back on all other eligible purchases. This is also a good card for balance transfers from higher interest cards because you can get a small cash back reward. The reward basically covers the fees you’ll pay for these transactions!

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Citi® Dividend Platinum Select® Visa® Card Features:

  • 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

Citi® Dividend Platinum Select® Visa® Card Benefits:

  • Extended Warranty: Visa provides one additional year of extended coverage free of charge for all eligible purchases.
  • Trip Interruption/Cancellation Coverage:  Enjoy up to $1,500 in coverage with this benefit on eligible travel.
  • Lost Luggage Coverage: In the unfortunate event that your checked luggage may be lost, stolen or damaged, Citi offers up to $3,000 in coverage.
  • Price Protection: Citi will pay the difference under certain circumstances if the advertised price of a purchase drops within 60 days.
  • Retail Purchase Protection: Citi Platinum Select Visa card will provide up to $1,000 in coverage for 90 days after purchase in the event of theft/fire/accidental breakage on qualifying items.
  • Common Carrier Travel Accident Insurance: Highly unlikely scenario, but they will pay out for death/dismemberment during common carrier travel accidents.
  • Car Rental Loss & Damage Insurance: If you decline the rental car company’s collision, loss/damage waiver, they offer secondary insurance after your primary regular car insurance.
  • EMV Chip Technology: Enjoy global acceptance and enhanced security when you use your credit card at merchants that use chip enabled terminals to accept your payment.

Not just for the $100 signing bonus, the Citi® Dividend Platinum Select® Visa® Card provides a very generous cash back program with 12 months of 0% intro APR for purchases and balance transfers. The only drawback is the $300 cap per year on the rewards. However, I find it unlikely maxing out the rewards if you can spread your spending across multiple reward credit cards. Since it has no annual fee, this Citi Dividend Card is a great card to add to your cash-back card arsenal. Start earning and apply today to use the convenience of this credit card! Find all credit card bonuses on our exclusive list!

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