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!

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”


  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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