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NerdWallet > Rewards Credit Cards > Citi® Dividend Platinum Select® Visa® Card
Review / Compare / Reward Calculations / Interest Calculations / Rankings / Comments
Citi® Dividend Platinum Select® Visa® Card
Citibank Dividend+Platinum+Select+Visa+Card Credit Card

(3.5/5 - 138 Votes)
Net Annual Rewards
$266
of Cash
Reward Rate
1.00%
Annual Fee
$0*
Signing Promo
$100 Cash Bonus after spending $500 - in the first 3 months.
APR, variable*
Min APR:
12.99%
Max APR:
22.99%
Default:
29.99%
Cash Adv:
25.24%
Intro APR Promotions
Purchase:
0% if you quailfy for 12 months*
Transfer:
0% if you qualify for 12 months*
Summary
  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
  • Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
  • Enroll each quarter for new categories that earn additional cash back. To learn more, visit dividend.quarterlyoffer.citi.com.
  • Full 1% cash back on all other purchases and eligible cash advances
  • No Annual Fee*

Compare To Our Most Popular Cards For The Category

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Compare To Blue Cash Preferred℠ Card from American Express

Why do we think you should consider this card?

Earn $150 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership

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Reward Details & Calculator

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Rewards Type: Cash

Signing Promotion
($100)/2 yrs
$50
Estimated Annual Rewards
$21,600 * 1.00%.
Cash Rebate is limited to $300 per year
$216
Annual Fee, 2 yr avg
$0
Annual Rewards (Rewards less Fees)
$266

Details

  • 1% on purchases

Calculate Interest & Finance Charges

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Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.

Finance Charge, Balance Transfer of $10,000*

Balance Transfer Fee, 3.0%
$300
Promo APR, First 12 months
$0
APR, 12 months
$1,421
Total
$1,721

*Average APR for Balance Transfers of 8.0% includes transfer fees and APR promotions.

Effective Annual Rate, Purchases

Promo EAR, 12 months
0.00%
Ongoing EAR, 12 months
13.79%
Total EAR, 24 months
6.67%

APR Rankings

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Balance Transfer Fee
3%
ranks #905 out of 1639 cards.
Average is 1.67%.
Cash Advance APR
25.24%
ranks #888 out of 1002 cards.
Average is 18.74%.

Rewards Rankings

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Annual Fee
$0
ranks #1 out of 1773 cards.
Average is $9.
Base Reward Rate
1%
ranks #69 out of 963 cards.
Average is 0.99%.
Effective Reward Rate
1%
ranks #187 out of 958 cards.
Average is 1.04%.
Sign-up Bonus
$100
ranks #61 out of 1762 cards.
Average is $33.
Credit Card Review: Citi® Dividend Platinum Select® Visa® Card


Author:
NERDBOT

Should you get the Citi® Dividend Platinum Select® Visa® Card? We'll give you the ins and outs of this card and give you a head-to-head comparison with the Blue Cash Preferred℠ Card from American Express. Also, be sure to check out our interactive credit card comparison tool.

NerdWallet Review: The Citi® Dividend Platinum Select® Visa® Card

Promotional APR period: The Citi® Dividend Platinum Select® Visa® Card offers an intro APR period. This gives you the chance to make a big purchase and pay it off interest-free for a while.

No annual fee: The card doesn't have an annual fee. No-fee cards are ideal for those looking to keep the account open for a long time. Keeping no-fee accounts open boosts your credit score. Check out more no-fee cards here.

Credit Card Showdown: Citi® Dividend Platinum Select® Visa® Card vs. Blue Cash Preferred℠ Card from American Express

Same late payment fee: The Citi® Dividend Platinum Select® Visa® Card has a late fee that's the same as the one on the Blue Cash Preferred℠ Card from American Express. In theory, you should avoid incurring late payment fees altogether. In addition to the late fee, you might incur a penalty APR that stays with you for 6 months or more.

Smaller signup bonus: The card's signup bonus is smaller than the Blue Cash Preferred℠ Card from American Express's, which of course means you're leaving a bit of money on the table. Obviously that isn't the end of the story, though - you also have to consider annual fees, ongoing rewards, and so forth.

Read the full review of the Blue Cash Preferred℠ Card from American Express on our blog

  • Anonymous

    Just a warning: cash back from this card is only given out in exactly $50.00 increments, no more, no less.

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