Citi® Dividend® Card for College Students
Citi® Dividend® Card for College Students
Citi® Dividend® Card for College Students
Card details
Build credit while earning cash back fast
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. See Citi Dividend Card Reward Program Information.
Choose your payment due date
No Annual Fee
Click Apply Now for pricing details
Rates, fees & offers
Annual fee
$0*
Rewards rate
1.00%
Bonus offer
Earn 5% cash back every quarter in must-have categories like department stores, travel and more, enrollment each quarter is quick and easy.
Intro APR
0% Intro APR for 7 months* on Purchases
Ongoing APR
APR: 13.99%-23.99%* (Variable)
Penalty APR: Up to 30.74%, Variable
Cash Advance APR: 25.99%, Variable
Balance transfer fee
4%
Foreign transaction fee
3%
Recommended credit score
Compare to other cards
 Citi® Dividend® Card for College Students | ||
|---|---|---|
| Learn more | Learn more | |
Annual fee$0* | Annual fee$99 | Annual fee$199 |
Regular APR13.99%-23.99%* (Variable) | Regular APRSee Terms | |
Intro APR0% Intro APR for 7 months* on Purchases | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%-29.99%. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Tim Chen
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Rating details
3
Editor's overall rating
Pros and cons
Pros
No annual fee
Cons
This card is one of the best out there for college student rewards. It earns a full 5% cash back in a list of rotating categories and 1% elsewhere, up to $300 earned in cash back per year. That's one of the highest rewards rates among student cards. Plus, the annual fee is $0*.
While the Citi® Dividend® Card for College Students is good for students who fit the bonus categories, it's not ideal for everyone. If you're studying abroad, you'll want to look for a card with no foreign transaction fee and chip capability. Check out our piece on best credit cards for studying abroad.
