The Citi Dividend Platinum Select Mastercard used to have a fantastic rewards program: 5% back at gas stations, restaurants and supermarkets and at least 1% back with everything else. Now it is 1% everywhere, with a rotating 3% for categories that are typically less useful, such as gym membership or hotel stays. When my credit card was compromised and used repeatedly in another city, Citi's automated security shut down my account and sent me a text warning. I contacted customer service and they emailed me a few documents, which I needed to sign and fax back to them, and then they waived the nearly $500 in fraudulent fees. So, automated security features, notification of suspicious activity via text and customer service are top notch, but rewards program is only mediocre at best. Customer Service As mentioned above, when my card was compromised, it was Citi's automated security that stopped the card from being used even more extensively, and their customer service made a bad situation as painless as possible. They removed nearly $500 in fraudulent charges after I faxed them a sworn statement. Available Rates As I always pay my balance in full each statement, I have never had to pay interest, but I believe their rates are competitive with similar companies.