| Official Card Name |
Citi® Dividend Platinum Select® Card for College Students |
| Card
Apperance |
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| Brand |
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| Annual Fee |
0.00 |
Introductory
Rate |
0.00 |
Length of
Intro Period |
0% Intro APR on purchases for 7 |
Go To Rate
(After Intro) |
13.99%-21.99%* (Variable) |
Balance Transfer
Available |
No |
Credit Level
Required |
Excellent |
| Offer Features |
No Cosigner Required |
| | Earn 5% Cash Back on eligible purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months, and 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* |
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Additional Details, Terms and Conditions |
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| Name | Citi® Dividend Platinum Select® Card for College Students |
|---|
| Most Attractive | Introductory rate; No cosigner required. |
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| Least Attractive | Minimum APR cap for cash advances. |
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| Description | The Citi® Dividend Platinum Select® Card for College Students, issued by Citibank, is a cash back credit card designed specifically for students. Through the rewards program, cardholders earn a 5% cash back rebate on purchases made at supermarkets, gas stations, drugstores, convenience stores, and utilities including cable for 6 months, 1% thereafter, and a 1% cash back rebate on all other purchases. Plus, you'll earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotels, and more (enrollment required). Cardholders will receive $5 Dividend Dollars for each balance transfer transaction of $1,500 or more. Cardholders can also earn an average of 5% cash back on purchases made through the Citi Dividend Merchant Network. The rebates earned on purchases through the Citi Dividend Merchant Network are unlimited, but the rebates earned on all other purchases are subject to a $300 maximum per year. A $50 check will be issued upon request once $50 Dividend Dollars have been earned. This card has no annual fee, and there is a 0% introductory rate that applies to purchases for 7 months (a rare benefit for a student card). The card also offers several platinum benefits and services such as lost and stolen card reporting and identity theft solutions. However, it is the reward program that proves to be the best benefit available to cardholders. Therefore, students who can afford to pay in full each month after the introductory rate expires (to avoid finance charges) and plan to spend enough to take advantage of the rebate program will benefit most from what the Citi® Dividend Platinum Select® Card for College Students has to offer. |
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| Short Description | The Citi® Dividend Platinum Select® Card for College Students is an ideal card if you want to earn cash back on your card purchases. You'll earn a 5% cash back rebate on purchases made at supermarkets, gas stations, drugstores, convenience stores, and utilities including cable for 6 months, and 1% thereafter. Plus, you'll earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotels, and more (enrollment required). You'll also earn an average of 5% cash back for purchases made through the Citi Dividend Merchant Network. A flat $5 is awarded for each balance transfer of $1,500 or more. Rebates on purchases made through the Citi Dividend Merchant Network are unlimited; however, rebates on purchases made everywhere else are limited to $300 per year. This card offers an interest-free introductory period for purchases with no annual fee. This card also offers many platinum benefits and services, so if you are able to pay your balance in full, it's an excellent choice. |
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| Rating | 3 |
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| Content Updated Date | Mar 2 2011 12:00AM |
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| Bullets | - 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*
|
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| Category | Student |
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| Card Type | Visa |
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| Introductory Rate Offer | 0% Intro APR for 7 Months* |
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| Card Status | Platinum |
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| Introductory APR | 0.00 |
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| Time Period Months or Billing Cycles | 7 |
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| Time Period Type | Months |
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| Intro Applied To | Purchases |
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| Intro Details | 0% Intro APR for 7 months* on Purchases |
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| Purchase Based on Index | Prime Rate |
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| Purchase Index Value | 3.25 |
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| Margin Rate for Purchases | 9.74 |
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| APR for Purchases Numeric | 13.99 |
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| APR for Purchases | 13.99% - 21.99%* (Variable) |
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| Rate for Purchases is | Variable |
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| APR for Purchases Updated | Monthly |
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| Cash Based on Index | Prime Rate |
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| Cash Index Value | 3.25 |
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| Margin Rate for Cash Advances | 21.99 |
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| APR for Cash Advances Numeric | 25.24 |
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| APR for Cash Advances | 25.24% |
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| Rate for Cash Advances is | Variable |
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| APR for Cash Advances Updated | Monthly |
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| Method of Computing Balance | Average Daily Balance (including new purchases) |
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| Annual Fee | $0 |
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| Annual Fee for Additional Cardholders | $0 |
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| Annual Fee Details | None |
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| Grace Period | 20 Days (Min.) |
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| Late Payment Fee | $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over |
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| Over The Limit Fee | $39 |
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| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
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| Balance Transfer Fee | 3% of each balance transfer; $5 minimum |
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| Type of Reward | Rebate |
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| Optional Reward | No |
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| Reward Expiration | None |
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| Reward Yearly Limit | $300 in Rebates (Dividend Dollars earned on purchases through the Citi Bonus Cash Center(SM) are not subject to the $300 maximum.) |
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| Rebate Minimum | 1% |
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| Rebate Maximum | 5% |
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| Additional Rebates | Earn a 5% cash back rebate on purchases made at supermarkets, gas stations, drugstores, convenience stores, and utilities including cable for 6 months and 1% thereafter; earn a 1% cash back rebate on all other purchases. Plus, you'll earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotels, and more (enrollment required). You will receive five Dividend Dollars for each individual balance transfer transaction of $1,500 or more. |
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| Rebate Details | A $50 check will be issued upon request once $50 Dividend Dollars have been earned. |
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| Additional Perks | Various Internet account related services. Build your credit history. Identity theft solutions. Optional personal photo on card. Fraud and security protection services. Lost and stolen card reporting. Emergency cash replacement. Emergency card replacement. Automatic bill payment. No liability for unauthorized transactions. Access to credit education tips and tools. See website for additional benefits. |
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| Important Notations | See website for complete terms and conditions of card usage and application disclosure. |
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| Card Overall Rating | 0.00 |
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| Card Benefit Rating | 0.00 |
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