Citi® Dividend Platinum Select® Card for College Students Review

 

The Dividend Platinum Select Card offered by Citi Bank is designed for college students that are looking to get rewards for many of the purchases that they make on a daily basis.

 

The cool thing about this card is that they don’t require a cosigner, so if you’re finding that many other banks are requiring you to get someone to co-sign with you, this card doesn’t require it.

 

What draws many students to this card is the rewards based system, and let me explain on how it works, and how you can benefit from it.

 

With the cash back system; you’re going to get a certain amount back, depending on where you swipe your card. For example, if you spend your money at a grocery store, gas station, or even a drugstore, you can get a certain amount of cash back on your card. You’re going to want to make sure that you look into the introductory rate, as well as the application, because these rates change all the time.

 

Regardless of what your situation is going to be, you will find that you’re going to be able to get at least 1% back on any purchase you make. What Citi Bank does is that they will have rotating categories each and every month. When the categories such as gasoline, supermarkets and that rotate, you will get bonuses, in terms of cash back.

 

The card has no annual fee, as well as a fantastic introductory rate that is competitive compared to most other student cards. You will also find that the card offers travel accident insurance, identity theft solutions, as well as other minor programs.

 

Looking at the pros:

  • This card has some of the best bonuses in the business. You can earn as much as 5% back on your purchases, when you open up your card.
  • The card has no annual fees, which makes it a big perk for those wanting a card with no fees. It also requires no co-signers.

 

Look at the cons:

  • Some of the fees such as the Cash Advance, as well as others tend to be a little higher than other companies.

Credit Report Scores
Below is a chart of credit report scores. Credit report scores are important when it comes to applying for a credit card. To find out what your credit report score is, please click on the link below.
Great Credit
750-850
Good Credit
660-749
Fair Credit
620-659
Poor Credit
350-619
No Credit
0
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