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Citi® Dividend® Card for College Students

Intro APR
0.00%
7 months
Regular APR
13.99%-23.99%* (Variable)
Balance Transfer
13.99%-23.99%* (Variable)
Ongoing
Expert Rating: 4.75 / 5 stars

Citi® Dividend® Card for College Students Summary

  • Earn bonus cash back each quarter on new must-have categories– like department stores, travel and more, with enrollment

  • Earn a full 1% cash back on all other purchases

  • Free enrollment each quarter for new categories that earn additional cash back

Creditnet's Full Review

The Citi® Dividend® Card for College Students is offering one of the highest cash back promotions for the first six months. After that, you'll still earn a full 1% on all purchases. Cash back is earned in the form of "Dividend Dollars". Continue reading for more details:

  • Earn bonus cash back each quarter on new must-have categories– like department stores, travel and more, with enrollment
  • Earn a full 1% cash back on all other purchases
  • Free enrollment each quarter for new categories that earn additional cash back
  • Manage your account online, on your tablet or on your Smartphone
  • No Annual Fee

Earn bonus cash back each quarter on new must-have categories– like department stores, travel and more, with enrollment

Earn a full 1% cash back on all other purchases. Any purchase that doesn't fall into the 5% categories (with enrollment) will still earn you a full 1%. No spending requirements or tiers to worry about!

Free enrollment each quarter for new categories that earn additional cash back. Enroll each quarter to earn the most cash back on rotating categories!

Manage your account online, on your tablet or on your Smartphone. Banking is made easier through your tablet or smartphone.

No Annual Fee. You'll pay no annual fee for this card and all its cash back rewards. Earn an additional 5% cash back through the Citi Bonus Cash Center®. Over 400 of your favorite retailers have partnered with Citi to provide you with up to an additional 5% cash back on your purchases. Visit the Citi Bonus Cash Center® to see what bonuses are currently being offered. Activate the offer by clicking on a special link that will redirect you to the retailer's website. When you checkout using your Citi card, you'll automatically receive bonus cash back! The best part about this additional cash back opportunity is there are no limits on the amount of cash back you can earn via the Citi Bonus Cash Center® (bonuses earned outside the Citi Bonus Cash Center® are limited to 300 Dividend Dollars each year)!

Earn 5 Dividend Dollars for each balance transfer over $1,500. If you have balances on other cards with higher interest rates, you'll earn 5 Dividend Dollars for each $1500+ balance transfer executed.

Pay 0% interest on purchases for 7 months. It's a good financial habit to pay off your credit card balance in full each month, but if you must carry a balance, this card offers a 0% interest promotion on purchases for 7 months. However, miss a payment or pay late and you may no longer be eligible for this offer; make sure to always pay at least your minimum balance by the due date. If you decide to take advantage of this 0% offer, please remember to use this card wisely: What is my credit GPA?.

Easy reward redemption. Once you've earned 50 Dividend Dollars, you'll automatically receive a check for $50!

$0 fraud liability. If your card is lost or stolen and used without your permission, you won't be held liable for any of those unauthorized charges.

Credit education tips and tools - FREE! Citi provides free credit tips and tools to help you understand how to manage your credit and finances wisely.

Creditnet's Expert Rating & Review

Expert Rating: 4.75 / 5 stars
Favorite Card Features:

One of the best features of this card is the full 5% cash back you can earn from Citi on rotating categories. It's also nice to earn a FULL 1% cash back with no spending requirements (other cards require you to spend a certain amount before receiving the full 1%).

Least Favorite Features:

You're limited to only 300 Dividend Dollars per year, equivalent to $300 dollars. However, when you shop through the Citi Bonus Cash Center®, you'll earn cash back in addition to the 1%, and this additional cash back is unlimited! So even if you've maxed out your 300 Dividend Dollars for the year, you can still continue earning cash back when shopping via the Citi Bonus Cash Center®.

Our Final Take:

The Citi® Dividend® Card for College Students is one of the best credit cards for college students. You'll earn a ton of cash back during your first six months and pay no annual fee for the life of your account.

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.

Purchase Rates
Intro APR: 0.00% Credit Required: fair
Intro Period: 7 months Set Up Fee $0.00
Ongoing APR: 13.99%-23.99%* (Variable) Annual Fee $0.00
Penalty APR: 29.99%
Balance Transfer
Intro APR✝: N/A
Intro Period: N/A
Ongoing APR: 13.99%-23.99%* (Variable)
Penalty APR: 29.99%
Transfer Fee: Either $5 or 4% of the amount of each transfer, whichever is greater.
✝ Must initiate transfer: N/A
Cash Advance Rates
Ongoing APR: 25.24%
Penalty APR: 29.99%
Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Miscellaneous
Other Rates
Foreign
Transaction Fee:
3.00%
Min. Interest Charge: $0.50
Credit Line
Min: N/A
Max: N/A
Penalty Fees
Late Payment:
Up to $35
Over the Credit Limit: N/A
Returned Payment: Up to $35