Citi Dividend World MasterCard New Offer: $100 Bonus, 5% Rotating Cashback, 0% APR for 12 months

Citi Dividend Platinum Select Visa CardThe Citi® Dividend Platinum Select® Visa® Card has a new offer that has some nice potential:

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories.  Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer.  See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*

I say this offer has potential for a few reasons. First, has a good upfront incentive of $100. The balance transfer and purchase period is also relatively long at 12 months. If you view the $100 bonus as offsetting the balance transfer fee, the offer is the same as getting a $3,333 balance transfer with no fee, or a $10,000 balance transfer with a 2% fee, and then no interest for 12 months.

Finally, the card has rotating 5% cash back on categories with no spending limit except for the $300 annual earned cashback limit, which means I actually still find my Citi® Dividend Platinum Select® Visa® Card useful on an ongoing basis. A couple of months ago I got 5% back at Home Depot and Lowe’s… and I needed it!


  1. Tom's blog says:

    big projects planned for the house next month?I just finshed my basement,it took 6 months.If you get a change of address form from the post office it has a 10% off coupon inside from Lowes that Home Depot accepts also.

  2. Does the $100 bonus count towards the $300 yearly limit. The low cashback limit is the only reason I haven’t gotten this card.

  3. @Tom’s – Lots of ongoing projects, thanks for the moving package tip.

    @slug – I’m not 100% sure, but if I recall correctly it does show up as an additional cashback reward. The limit caps each calendar year, so almost 1/4 of the year is over.

    I try to keep this card for 5% purchases only as much as I can. That’s $6,000 in purchases for categories like home improvement, groceries, and restaurants rotating throughout the year. Not bad to get $300 back every year from one card.

  4. Does anyone happen to know what the categories are for the 3rd and 4th quarterly 5% bonus categories? I tried calling Citi to find out but the CSR didn’t have any info. Thx!

  5. I’ve got one of these as backup for my Amex. Its been a pretty good card. THe rebate is straight cash and available in $50 increments. I used it for the 5% bonus on restaurants last year.


    I can’t find details on the future bonus categories for 2011. But they *might* repeat the categories they had in 2010. Course they could change or stop the program.
    July-Sept in 2010 the 5% was for restaurants, rental cars and hotels.
    Oct – Dec 2010 was Department Stores, Clothing, and Electronics.

  6. i’ve been taking advantage of the 5% cash back at drugstores by purchasing gift cards at CVS> They carry a large assortment of gift cards to merchants like gas stations (Exxon Mobil), department stores (nike, bloomingdales, macy’s), restaurants, even itunes. I shop all these merchants anyway, but by purchasing gift cards at the drugstore I’m getting 5% back!

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