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NerdWallet > Student Credit Cards > Citi® Dividend Platinum Select® Card for College Students
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Citi® Dividend Platinum Select® Card for College Students
Citibank Dividend+Platinum+Select+for+College+Students Credit Card

(3.5/5 - 172 Votes)
Net Annual Rewards
$264
of Cash
Reward Rate
1.00%
Annual Fee
$0*
Signing Promo
None
APR, variable*
Min APR:
13.99%
Max APR:
21.99%
Default:
29.99%
Cash Adv:
25.24%
Intro APR Promotions
Purchase:
0% for 7 months if you qualify*
Transfer:
None
Summary
  • No Cosigner Required
  • Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
  • Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
  • Earn a full 1% cash back on all other purchases*

Compare To Our Most Popular Cards For The Category

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Compare To Journey℠ Student Rewards from Capital One®

Why do we think you should consider this card?

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Reward Details & Calculator

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Rewards Type: Cash

Signing Promotion
$0
Estimated Annual Rewards
$21,600 * 1.22%.
Cash Rebate is limited to $300 per year
$264
Annual Fee, 2 yr avg
$0
Annual Rewards (Rewards less Fees)
$264

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, 4.0%
$400
APR, 24 months
$3,336
Total
$3,736

*Average APR for Balance Transfers of 16.0% includes transfer fees and APR promotions.

Effective Annual Rate, Purchases

Promo EAR, 7 months
0.00%
Ongoing EAR, 17 months
14.92%
Total EAR, 24 months
10.35%

APR Rankings

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Balance Transfer Fee
4%
ranks #1317 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
1.22%
ranks #80 out of 958 cards.
Average is 1.04%.
Sign-up Bonus
$0
ranks #1762 out of 1762 cards.
Average is $33.
Credit Card Review: Citi® Dividend Platinum Select® Card for College Students


Author:
TIM

The benefit of this card is the 5% cash back during the first 6 months on the basic necessities of student: supermarkets, gas stations, utilities, drugstores and convenience stores (read: food, electricity, energy drinks).  The 2% cash back in popular rotating categories give this card an upper hand when compared to other college cards, as long as you remember to enroll every rotation and plan your spending accordingly!

After the initial 6 months, you will only receive 1% cash back on those categories.  They also offer 2% cash back in popular categories like restaurants, apparel, and hotel, that rotate every once in awhile.  However, you have to remember to enroll every time a rotation occurs to receive the bonus!

We also suggest you check out Citi Forward® Card for College Students, which earns 5 points per $1 spent on restaurants, bookstores, record stores, movie theaters and video rental stores.

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