Citi Dividend Platinum Select Visa Card review |

Citi® Dividend Platinum Select® Visa® Card

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Please note: This card has been discontinued, and it is not available on our site.

Compare similar credit cards and find the best option for you.

Compare other Citibank credit cards

Name Product Filter values Rewards Purchase APR Annual Fee
1% cash back when you make purchases and 1% cash back when you pay off your card
15.74% to 25.74% variable
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.
16.24% to 26.24% variable
Enjoy a 0% intro APR for 21 months on balance transfers and for 12 months on purchases.
3x points on travel and gas, 2x points on dining and entertainment and 1x points on everything else
16.74% to 25.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
15.24% to 25.24% variable
Strong intro APR for the first on purchases and balance transfers.
24.74% variable
Build, improve or rebuild your credit with a secured credit card.
4% at gas stations on up to $7,000 annually, then 1%. 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
17.24% variable
Earn Costco cash rewards everywhere Visa® is accepted.
2x miles on American Airlines purchases and 1x miles on everything else
17.99% to 25.99% variable
Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
2x miles on American Airlines, dining, and gas and 1 miles on all other purchases
18.24% to 26.24% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.
Earn 2x points at retail and travel websites and 2x points on products and services purchased directly from AT&T
16.24% to 25.24% variable
Earn 10,000 bonus ThankYou® Points after making $1,000 in purchases within 3 months of account opening.
5x points on air travel and at restaurants, 3x points on hotels and cruises and 1x points on all other purchases
17.99% to 25.99% variable
Earn 50,000 points after spending $4,000 in the first 3 months.

Compare up to 4 providers

The Citi® Dividend Platinum Select® Visa® Card is a credit card that comes bundled with many bonus offers.

Like the name suggests, the Citi® Dividend Platinum Select® Visa® Card pays you back when it’s used. There are many cash back opportunities to be had when making purchases or balance transfers with this card. There’s a 1% cash back rate on all purchases, 5% cash back every quarter in ‘must have’ categories including, 5% cash back on average when shopping at over 400 retailers and $5 cash back on balance transfers of $1500 or more.

The card also offers 0% intro APR on purchases for the first 12 months months, as well as a 0% intro APR on balance transfers for the first 12 months months. Building up your credit score will be made much easier with the one year grace period on interest, as paying off your balance becomes a much more manageable process.

Features of the Citi® Dividend Platinum Select® Visa® Card

Citi not only offers a discounted interest rate for the first 12 months months on purchases and balance transfers, it also offers:

  • Many cash back opportunities. With four different ways to earn cash backs, you can make your purchases and balance transfers work for you and earn extra cash by being an active customer. In fact you can earn a $100 cash back after you spend $500 in your first three months of card ownership.
  • 24/7 customer service. You can call the number on the back of your card at any time if you need help with any aspect of your credit card membership. The customer service representatives are available 24 hours a day, 365 days a year.
  • Internet and mobile account management. You can check your balance, view transactions, and even make payments using Citibank’s free online and mobile banking tools. Account alerts can be sent to your phone via SMS updates.
  • Additional cards. If you ever need additional cards, all you need to do is to call the number on the back of your card. In around three weeks you’ll receive your extra cards.

Other Features

When you receive this card you are not only getting access to a slew of bonus features, you are also provided with a wide-array of insurance and fraud coverage services.

  • Citi identity theft protection. Citi will provide you with specialised assistance to clear up any problems if you find yourself a victim of identity theft.
  • Retail purchase protection. Almost all purchases made with your Citi card are eligible for protection against theft, fire or accidental breakage. This insurance covers up to $1000 worth of loss for 90 days after purchase.
  • Lost luggage coverage. If you charge the whole common carrier fare to your Citi card you will get up to $3000 in lost luggage coverage for you and your dependants. Any articles checked with a common carrier are protected.
  • Travel insurance. Charge plane, train or bus tickets to your Citi credit card and you are automatically covered for Common Carrier Travel Accident Insurance at no additional cost.
  • Auto rental insurance. When renting a car, you can opt out of the car rental service’s collision waiver. If you do this and pay for the rental with your Citi card, Citibank will automatically cover you for damage and theft on your rental.
  • Trip cancellation coverage. Up to $1500 worth of trip cancellation/interruption coverage is provided to you on any trip billed to your Citi card.

How to apply for a Citi® Dividend Platinum Select® Visa® Card

To be eligible to be approved for a Citibank credit card you must:

  • Be 18 years of age
  • Be in good credit standing
  • Be a permanent resident of the United States with a valid Social Security number

If you find that you are eligible for the Citi® Dividend Platinum Select® Visa® Card and find its offerings to be appealing, you online to begin the application process.

You will be taken to Citibank’s website, and on this site you will reach a page that gives you the ability to learn more about the card and apply conveniently online.

On the application you will need to provide some personal information to Citibank. You will need to provide information on:

  • Your email address
  • Full name and date of birth
  • Annual salary and wages, as well as employment information
  • Any bank accounts you own
  • Permanent address
  • Social security number
  • Primary phone number
  • Monthly mortgage or rent payments

Citibank makes paying off your credit card balance incredibly easy with its tantalizing purchase and balance transfer period of 12 months. Throw in a large list of cash back options and insurance features and Citibank has a card designed for consumer satisfaction.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site