Latest reviews about Citi - Dividend Platinum Select Card

UWPiPhiAngel says "Slightly above average" about Citi - Dividend Platinum Select Card

UWPiPhiAngel — Sun, 26 Jul 2009 09:23:03 GMT

As of July 2009, this card offers 2% cash back on supermarket (grocery stores), drugstore, gas, and utilities, 1% cash back on all other purchases with a $300 cap per calendar year. I would say this is slightly above average (average being just 1% cash back), but you do get 5% cash back in the 2% categories for 6 months. The APR is not important to me since I never carry a balance, so I didn't even bother checking it. There is no annual fee.

Before finding this card, I applied for the Capital One No Hassle Cash Reward card that offers the same cash back (except you can choose a different category for 2% if you don't want it in groceries and gas). There's no annual fee if you have excellent credit, which I thought I did with a credit score in the mid-upper 700s with all 3 bureaus, however I was declined.

With the Citi Dividend Platinum Select card, I was approved with a credit limit of $4000. But once I found another card that offers unlimited 2% cash back, I converted this card...

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castingbread says "Citi Dividend Credit Card an easy way to earn cash." about Citi - Dividend Platinum Select Card

castingbread — Sun, 15 Feb 2009 02:37:28 GMT

I have been using the Citi Dividend Platinum Select card for several years now. I was so pleased with the easy way to accumalate a refund check that I recommended my husband and daughter also apply for one; now all three of us receive dividend checks at least yearly. A few years ago the percentages of what is earned per dollar charged were lowered making it a little harder to accumalte the minimum $50 to request a check, but it is still very doable in a reasonable amount of time if the card is used for most all our purchases. They reward 1% on all purchases other than drug store and grocery store purchases which earn 2%. The top amount allowed to be earned and redeemed in a year is $300. It is also very easy to pay online. I highly recommend it....

bkhw says "Citicard Diamond when used smart can earn you savings" about Citi - Dividend Platinum Select Card

bkhw — Sat, 24 Jan 2009 20:22:28 GMT

Many people advise against credit card use, however if you will pay your card off each month you can pick up additional rewards just for using your card to buy the things you need on a daily basis. We have saved rewards for a laptop for a graduating SR x 2. We did not earn enough rewards for both, however we were able to make a big dent in the cost. Customer service is very user friendly and has been very cooperative when needed.

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jt319 says "Very useful and great options." about Citi - Dividend Platinum Select Card

jt319 — Sun, 04 Jan 2009 21:13:43 GMT

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Jemin says "Credit card companies work harder to make you fail than to help " about Citi - Dividend Platinum Select Card

Jemin — Tue, 30 Dec 2008 04:55:07 GMT

Recently I received notice from Citi Card that my interest rate was jumping to 19.9%. Even though a person has an excellent payment history on all cards and is never late(and if so only a day because of the time frame in paying on line), they are punished because the companies know that this person will do everything in his or her power to pay their bills on time. They will work with you only if you are delinquent and just don't pay at all. If these companies cared about the consumer they would check histories and see if the person is sincere or just a scammer. They look at your credit report and decide by ratio of debt to credit if you are a risk and that is not fair. I have been in debt all my life and more so since the loss of my husband, which by the way cut my income by 3/4ths. Now I am suddenly a poor risk even though I have an excellent credit report for paying bills. I do not believe these companies need people to answer the phones because they are really run by...

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azguy says "terrific card" about Citi - Dividend Platinum Select Card

azguy — Wed, 26 Nov 2008 06:38:11 GMT

I enjoy getting extra for buying groceries, gas , auto products and repairs and prescriptions. Every little bit helps today. I don't like the fact that the lowered my rewards from 5% to 2%, because it takes longer for me to be able to earn rewards now. However they are still paying them, so that I am grateful for that. I am in the drivers edge program, so all of the rewards that I earn have to be used toward auto repairs. The upside to that is I don't have to wait until I have 50.00 in reward savings, I can submit any repair bills, amounting to 25.00 and up and it will be deducted off of my credit card bill. I don't feel so bad now, when I rack up auto repair bills. However, I have had to contact citi card, because of the annoying phone calls 2-3 times a week, from their marketing dept. No does not mean no to these people. Supposedly they removed my name from their marketing list, we will see how that goes. Overall it is a decent card....

Zipper68 says "Rewards reduced... cut it up" about Citi - Dividend Platinum Select Card

Zipper68 — Sat, 09 Feb 2008 01:28:18 GMT

This card used to have a 5% reward which was fairly decent and worth the trouble as long as it was paid off every month. However, rewards were reduced to 1% (2% at some vendors). It's not worth the hassle... cut it up. Pay cash. It's just easier and you'll sleep better....

busylizzie says "Used to be good, but not any more" about Citi - Dividend Platinum Select Card

busylizzie — Sat, 01 Dec 2007 15:16:25 GMT

I am still looking for a good credit card reward program because this one used to offer great dividends on grocery gas, and drug store purchases. These are the types of stores where most people spend all their money. They used to offer a 5% rebate for this type of purchase, now this is down to 2%. I have seen lots of other websites out there that rank credit cards, and it seems like everyone else out there like me that used to have this card is frustrated and looking else where for something better. You think that citi would figure this out and change their credit card back to the old program and finally make their customers happy....

gurlygurl1986 says "Good place to start for a person with their first credit card." about Citi - Dividend Platinum Select Card

gurlygurl1986 — Sun, 25 Nov 2007 00:59:23 GMT

I started using a Citi Credit Card in college in order to build up good credit. They had everything I was looking for including online services such as online payment option, online statements, & online customer service. They also are in connection with the Thank You rewards program which I loved, I easily build up Thank You points that I can redeem for gift cards....

schwalbegb says "They pay me to use their card." about Citi - Dividend Platinum Select Card

schwalbegb — Sat, 24 Nov 2007 22:48:49 GMT

Citibank Divident card pays you 1 percent back on all your purchases and now pays 2 percent on all your gas, grocery and drug store purchases. They used to pay 5 percent back on all your gas, grocery and drug store purchases but recently changed it to 2 percent. Eithor way if you purchase everything on your charge card and pay it off every month you will actually get paid to use their card....

missdiva96 says "PROBABLY THE MOST REWARDING CREDIT CARD!" about Citi - Dividend Platinum Select Card

missdiva96 — Fri, 31 Aug 2007 12:06:05 GMT

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......