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Citi® Dividend Platinum Select® MasterCard® Review

This article was written by in Credit, Reviews. 9 comments.

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Updated July 5, 2012 and originally published February 9, 2011.

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About the author

Luke Landes is the founder of Consumerism Commentary. He has been blogging and writing for the internet since 1995 and has been building online communities since 1991. Find out more about Luke Landes and follow him on Twitter. View all articles by .

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{ 9 comments… read them below or add one }

avatar 1 Anonymous

Cool! I need another card so I probably will sign up for this. Don’t worry, I only have one card right now with no balance. :)

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avatar 2 eric

If it matches your spending, then go for it. A lot of cards are doing the rotating categories now. You just have to remember to sign up for them each quarter.

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avatar 3 Anonymous

I’ve always been a fan of the Citi Diamond Preferred card, in the past they were more similar to the City Dividend Platinum Select, but while the Citi Dividend Platinum Select gives 5% in cash, the Diamond Preferred give you 5 points for every dollar spent it in Thank You award points. In the past this was practically equivalent, but not so anymore. Now I have to make sure I get that 5 point = 5 cents conversion number…

So I think I’ll convert to the Citi Dividend Platinum card instead. Thanks for the info!

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avatar 4 TakeitEZ

I can’t wait until my credit recovers so I can have one or two good cashback cards to rely on. One day…one day.

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avatar 5 skylog

keep going after it TakeitEZ, your day will come!

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avatar 6 Anonymous

I’ve had my Citi Dividends card for seven years, and my wife has had hers for over five. I think it’s a great card. Although other cards out there have come around that have similar or maybe slightly better rewards, I haven’t switched because I’ve been very happy with our Citi card. We’ve gotten hundreds of dollars in cash back over the years, all while never paying a dime in interest rates or annual fees. I would highly recommend this (and have!)

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avatar 7 Anonymous

I’ve had a Citi Dividend card for 17 years and I’m quite happy with it.

Citi seems pretty good about watching for unusual activity that could be due to theft. I occasionally get calls from them questioning activity to make sure its valid. The dividends work just fine and are payable in cash with a $50 minimum so its no hassle at all. They do have a $300 cap on rewards for the year but thats a lot more than most people will hit.

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avatar 8 Anonymous

AARP sponsors a Chase credit card that will give you 5% cash rebate on ALL purchases for the first six months, then 1% on all purchases and no limit per year as far as I can tell. You can apply for rebates after each $25 accrues.

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avatar 9 Anonymous

The payouts are in $50 increments only, so if you have $63 in rewards, you’ll get a check for $50.

Jim mentioned the $300 limit.

I’ve had this card for years, and our interest rate was fairly recently raised to 29.99%. We don’t carry a balance and haven’t for a long long time, but I thought that was pretty ridiculous.

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