Citi® Dividend Platinum Select® MasterCard® Review
The Citi® Dividend Platinum Select® MasterCard® is a rewards card that offers cash back on all your purchases. This allows you to earn points fast and earn them in a variety of ways. The card offers a special introductory rate on balances transfers and the card has no annual fee. This card is recommended for those with good to excellent credit and is one of the top rates Citi credit cards available. Here is a summary of the card’s features:
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Interest Rate Information
The card offers an APR based on your credit worthiness. The rate can vary based on changes to the prime rate. For balance transfers the card offers an introductory rate of 0% for the first 15 months of the account. After the intro period the rate change to the same rate as purchases. To calculate the balance they use a method called “daily balance” which includes current transactions. If you are late on a payment they could end your introductory rate.
Citi® Dividend Rewards
The card is a rewards points credit card. Rewards can be earned on purchases, cash advances and balance transfers. On all purchases you will earn 1% and you will earn 1% on cash advances and cash convenience check amounts billed at the standard cash advance rate. You can earn at least 2% cash back on popular, rotating categories each quarter as long as you enroll. Plus, earn an average of 5% additional cash back when you shop at over 400 leading retailers through the Citi Bonus Cash Center. You will receive five Dividend Dollars for each individual balance transfer transaction of $1,500 or more. You may can earn a maximum of 300 Dividend Dollars in any calendar year and once you request to redeem your rewards you will receive payment in checks of $50 increments. The Dividend Dollars will not expire as long as you have qualifying purchase activity at least once every 12 months.
Card Member Benefits
- Extended Warranty: The terms of the original manufacturers’ U.S. warranties (of one year or less) may be extended up to one additional year on most items purchased on your card.
- Retail Purchase Protection: Most items purchased with your card are eligible for protection against accidental damage or theft up to 90 days from the date of purchase.
- $0 Liability on Unauthorized Charges: Shop anywhere and never lose a penny on unauthorized charges. With $0 Liability you won’t pay for any unauthorized charges made on your Citi credit card.
- Travel & Emergency Assistance: You’re protected when you’re traveling in the U.S. and abroad. Travel & Emergency Assistance services include medical and legal referrals, lost luggage assistance, emergency transportation, translation services and more. Included in this service are MasterTrip® Travel Assistance, Travel Services Medical Assistance and MasterLegal® Referral Service.
- Automatic Travel Accident Insurance: Charge plane, train or bus tickets to your Citi card and you, your spouse and eligible dependent children are automatically covered for Common Carrier Travel Accident Insurance at no additional cost.
- Auto Rental Insurance: You’re automatically covered when you reserve and rent a covered vehicle with your Citi card and decline the car rental company’s collision loss/damage waiver insurance.
- Citi MasterCard® Payment Tag with PayPassTM: Enjoy the tap-and-go convenience of a Citi MasterCard® Payment Tag with PayPassTM. This new technology allows you to pay by tapping your payment tag on a PayPass reader at checkout. No fumbling for cash and no signature required on most purchases up to $25.
- Citi® Credit Card Benefits & Services: Your card includes a wide range of benefits and services to help protect your credit, provide simple online account management, offer cash or rewards and much more.
Citi® Card Fees
There are fees you should be aware of with the Citi® Dividend Platinum Select® MasterCard® which are highlighted in the table below. For a complete list of fees be sure to review the terms and conditions of the card.
| Description | Fee |
|---|---|
| Annual Fee | None |
| Balance Transfer | Either $5 or 4% of the amount of each transfer, whichever is greater. |
| Cash Advance | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Purchase Transaction | 3% of each purchase transaction in US dollars. |
| Late Payment | $15 on balances up to $100 $29 on balances of $100 up to $250 $39 on balances of $250 and over |
| Returned Payment | $39 |
You can get more information about the card and apply on line at Citi® Dividend Platinum Select® MasterCard® official website.
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