Citi Dividend Platinum Select Visa Review | CreditShout

Citi Dividend Platinum Select Visa Review

By Dawn Allcot / August 25, 2010
Citi Dividend Platinum Select Cash Back Credit Card

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Editor's Note

The Citi® Dividend® Platinum Select credit card is no longer available. You can check out our Guide to Cash Back Credit Cards to find our current recommendations for cash back rewards cards.

If you still have this card, check out the 2016 Cash Back Calendar here.


CREDITSHOUT RATING:
Very Good
Verdict: The Citi® Dividend Platinum Select® Visa® Card is a very good choice for people looking to earn generous rewards on a variety of purchases and enjoy a host of benefits all with no annual fee*. With 0% interest on balance transfers for the next 12 months, it’s also a good card if you want to transfer balances from higher interest cards so you can pay them off more quickly. You even get a small cash back reward for balance transfers and cash advances, which basically covers the fees you’ll pay for these transactions.

Overview: The Citi® Dividend Platinum Select® Visa® Card is one in a large line of rewards credit cards offered by Citi for people with excellent credit.

How this card works: This is a conventional visa, accepted anywhere that accepts visa. The card offers online account management, online bill pay, and Citi’s virtual credit card number for online transactions. You can also manage your account or ask questions through Citi’s toll-free customer service number.

Fees & APRs: There is no annual fee* on this card. For a full list of updated fees, see the issuers website before applying.

Rewards: Citi has a rewards program that is comparable to Chase, Discover and many other popular credit card rewards programs, and allows you to earn up to 5% cash back on purchases made with the card.

Benefits: Citi offers extensive benefits for its cardholders, and this platinum card has a long list of useful benefits, including:

  • Extended warranty on purchases up to one year
  • Retail purchase protection against damage or theft for up to 90 days
  • 0$ liability on unauthorized charges
  • Travel and emergency assistance, including medical and legal referrals, lost luggage assistance, translation services and more
  • Travel accident insurance for you, spouse and eligible dependent children
  • Auto rental insurance

Pros:

  • Cash back on balance transfers, cash advances and purchases
  • 0% APR on balance transfers for 12 months*
  • A long list of benefits
  • No annual fee*

Cons:

  • High cash advance APR
  • Must remember to enroll quarterly to get 2% cash back on specific rotating categories

Citi® Dividend Platinum Select® Visa® Card

  • Credit Required
    Excellent Credit
  • Rewards Program
    Up to 5% cash back on rotating categories, 1% unlimited cash back on all other purchases.
  • Signup Bonus
    $100 Cash Back Bonus
    after $500 in purchases during your first 3 months.

CreditShout Rating:
( Very Good )

The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone. Additionally, the opinions of the commenters are not necessarily the opinions of this site

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