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Citi Dividend Platinum Select MasterCard Review

by MarketProSecure

The Citi Dividend Platinum Select MasterCard has not diminished in popularity not even through the recent banking crisis. The card has such great features and benefits that it is the most popular Citibank credit card ever.

They are now offering a really great introductory offer that has no annual fee and 0% for the first 15 months. there are tons of other great benefits, so let's examine this card and see just what else it has to offer.


Rebates and Rewards


The Citi Dividend Platinum Select MasterCard allows you to earn a rebate on every purchase. You can request a check for the rebates that show up on your statement as dividend dollars. The checks can only be requested in pre-selected increments. You can also use the dividend dollars by making purchases of selected items with your card. The more you spend the more dividend dollars accumulate.


Category Rotation


Every quarter you will have an opportunity to shop in certain categories for a higher rebate percentage. These categories run from January-June, July-September, October-December. you get groups like hotels, restaurants, and rental cars or electronic stores, department stores and clothing stores. The October-December quarter is in full swing as of this writing and the deals are at department, electronic and clothing venues just in time for holiday shopping. You have to be enrolled in the program to take advantage of this benefit. It doesn't cost a thing to enroll, ask your representative when you apply.


Citi Bonus Cash Center


Citi has a website called the "Citi Bonus Cash Center" cardholders can earn extra rebates when they shop at any of the stores linked to this portal. The portal also gives access to specials, discounts and rebate percentages not offered anywhere else. Using the portal is fast and easy you are also eligible for certain catalog discounts as well.

There are over 400 shops represented on the portal. They have everything from Battery shops to Zales jewelry stores. Most anything you can think of for home and hearth can be found on this portal. It makes shopping less of a chore as you can do comparisons with only a click of the mouse.


Fees and Rates


There really aren't any. The card has no annual fee and a really low APR for introductory period so all you have to worry about is paying off the monthly balance. This is where a word of caution is needed as there are penalties that can be incurred and once you get this penalty you will lose your introductory offer benefits. Late payments are one way of incurring this penalty. Talk with a representative to learn more.


Other Benefits


Travelers insurance is an added benefit with this card. The good thing about it is that your family members are covered as long as you have purchased their ticket on the CitiBank MasterCard. This includes your spouse and any dependent children traveling with you. The benefit is for emergency assistance, emergency medical and there is a rental car component. Customers using their Citi Platinum Master Card can take full advantage and feel secure with the $0 Fraud Liability insurance that is a standard feature on CitiBank cards.


Online Account


You can register online to manage your card account. Now more than ever convenience is the key factor when choosing a card. You can pay bills, check balances on transfers and review your entire account online. The website is available twenty-four hours a day seven days a week at no extra charge. This is what convenience is truly about. Apply for your credit card and get the added benefit of not having to wait on the phone or listen to those automated prompts ever again.


Verdict


If you are in the market for a new credit card you could do so much worse than this one. It has all the qualities that you want in a new credit card. No annual fee, low introductory interest offering and tons of benefits. The Citi Dividend Platinum Select MasterCard has all of these and so much more. Call or go online to apply for your today and start raking in the savings just in time for the holidays.


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