Citi® Dividend Platinum Select® Visa® Card for College Students Review

The Citi® Dividend Platinum Select® Visa® Card for College Students is designed to reward students for their purchases with giving them cash back. The card offers a special introductory rate and allows members to earn cash back on their everyday purchases. The card does not require a co-signer and there is no annual fee. This card is a great option for students who are seeking a student card that offers cash back. Here are some of the features of the card:

• At least 2% cash back in popular, rotating categories, like department stores, jewelry, apparel, restaurants, hotels and more
• Earn 1% on all other purchases
• No annual fee
• No co-signer required
• $0 Liability on unauthorized charges

Rates and Offers
The card offers a special introductory rate of 0% for the first 7 months on purchases. After that the variable rate is 13.99% to 19.99% based on your creditworthiness. This rate also applies balance transfers. The APR for cash advances is 25.24% and the penalty APR is 29.99% when applied. The penalty rate can be applied for if you make a late payment or your payment is returned. If your APRs are increased for either of these reasons, the Penalty APR will no longer apply to existing balances on your account if you make the next six consecutive minimum payments when due. However, the Penalty APR may apply to new transactions indefinitely.

Student Rewards
The Citi® Dividend Platinum Select® Visa® Card for College Students gives members 5% cash back at supermarkets, gas stations, utilities and drugstores for the first 6 months of card membership. After that the card gives 1% on those purchases. The card also gives 2% cash back in popular, rotating categories, like department stores, jewelry, apparel, restaurants, hotels and more. On all other purchases you will earn 1% cash back.

Additional Benefits
Just for being a Citi cardmember you are entitled to additional cardmember benefits. Here are some of those benefits:

• $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 with your card.
• Credit Education Tips and Tools: Learn to Use Credit Wisely and find tools to plan monthly budgets and future investments.
• Flexible Payment Terms: Choose to pay your bill in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
• 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 for up to 90 days from the date of purchase.
• 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 an eligible vehicle with your Citi® card and decline the car rental company’s collision loss/damage waiver insurance.

Citi® Dividend Platinum Select® Fees
There are fees associated with using this student card. The table below highlights some of those fees, but to see a complete list you should refer to the card terms and conditions. You can apply for the card online today.