Citi® Dividend Platinum Select® Card for College Students

citi dividend platinum select student credit card

Quick Card Summary

  • 5% cash back on gas, groceries, utilities for 6 months; 1% thereafter
  • 2% cash back on rotating categories such as restaurants, apparel, and more
  • No cosigner required
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
13.99% - 21.99%* variable $0 $0 Yes Fair Credit OK

Creditnet's Full Review

The Citi® Dividend Platinum Select® Card for College Students is a great student credit card that offers cash back. For the first six months, you'll earn 5% cash back on groceries, gas, drugstores, and utilities (such as cable). Free enrollment also lets you earn 2% in rotating categories, such as clothing, restaurants, hotels, and more. On everything else outside of these categories, you'll still earn 1% cash back.

Shop through the Citi Bonus Cash Center® and you'll earn an average of 5% cash back year round. These bonuses are unlimited. Bonuses earned outside the Citi Bonus Cash Center® are subject to a $300 per year maximum.

If you have balances to transfer from higher interest credit cards, you'll earn 5 Dividend Dollars for each transfer of $1,500 or more. Once you've earned 50 Dividend Dollars, you'll automatically receive a check for $50.

Unlike most other student cards, the Citi® Dividend Platinum Select® Card for College Students charges 0% interest on purchases for 7 months. If you decide to take advantage of this 0% offer, please remember to use this card wisely: What is my credit GPA?.

Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

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Purchase Rates
Intro APR: 0%
Intro Period: 7 mo.
Ongoing APR: 13.99% - 21.99%* variable
Penalty APR: 29.99%
Balance Transfer and Cash Advance Rates
Balance Transfers Cash Advances
Intro APR✝ : n/a Intro APR✝ : n/a
Intro Period: n/a Intro Period: n/a
Ongoing APR: 13.99% - 21.99%* variable Ongoing APR: 25.24% variable
Penalty APR: 29.99% Penalty APR: 29.99%
Transfer Fee: 4% Advance Fee: 5%
Min. Transfer Fee: $10.00 Min. Advance Fee: $10.00
Max. Transfer Fee: n/a Max. Advance Fee: n/a
✝ Must initiate transfer: n/a
Miscellaneous
Other Rates Credit Line Penalty Fees
Foreign
Transaction Fee:
3% Min: n/a Late Payment: Up to $35
Min. Interest Charge: $0.50 Max: n/a Over the Credit Limit: n/a
Returned Payment Up to $35.00

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