Citi - Dividend Platinum Select Card Review

Overall 3.64 of 5 view all 11 reviews

missdiva96
Conroe, TX

PROBABLY THE MOST REWARDING CREDIT CARD!

picky, researcher, free gift card rewards junkie, fuel-conscious, drive a lot, Every day computer user, online banker, pay my cc bill off each month

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Pros

extra dollar rewards for grocery & gas, shopping sites 4 more reward dollars, they cut you a check after $50, competitive apr

Cons

try not to carry balance & it's free $, APR is 19.26% which is high

AUG

2007

I've been a citi card holder since 1991. Fresh out of college, I needed a solid credit card that wouldn't slam me with a high APR. After getting my first real job, I stop carrying a balance. Smart right? A few years ago, Citi dreams up a fabulous idea. They decide to reward customers with MONEY BACK on their purchases! Every day purchases AND EXTRA money back at food & drug stores, gas, and even your utility bill! And when your rewards hit at least $50, they cut you a check! On top of that, they have an online shopping network where you can earn EXTRA POINTS TOWARDS YOUR BIG CHECK! And we're talking popular merchants like Best Buy, Sears, JC Pennys. I plan on purchasing my big screen TV through the Best Buy connection. Depending on the merchant, you can get a percentage back off your total bill. Like Best Buy for example. You can 1% back from your total purchase. So if I'm spending $2000 on a TV, I'll get $20 cash back! PLUS I'll get a percentage of points if I use my citi card. It's not dollar for dollar, but it's pretty close! I haven't carried a balance since college, so it's FREE $$! Their APR is high,19.24. But if you intend on carrying a balance, just give them a call and they'll gladly lower it! (Neat little trick I learned during my tough post college years!)

Last edited on Jan 14, 2009