Citi® Dividend Platinum Select® Visa® - $100 Cash Back Review: Credit Cards

	Apply for Citi® Dividend Platinum Select® Visa® - $100 Cash Back
Rating:
Bottom Line:	12-month 0% APR intro and balance transfer APR period, $100 bonus after spending first $500, max of $300 cash back per year after $100 bonus
Full Review:	Citi® Dividend Platinum Select® Visa® features a 0% APR on purchases and balance transfers for 12 months. This is a convenient way to consolidate multiple card balances on a single card while paying no interest for 12 months. In addition, users will get a $100 cash back bonus after spending $500 in the first 3 months. The only downside is that users max out at $300 cash back per calendar year, although the special $100 cash back bonus is NOT included in the total $300 cash back earnings (so it's free and clear). The exception to the $300 max limit is that cash back earned on purchases made through the Citi Bonus Cash Center are not subject to the $300 calendar year maximum accumulation. Highlights $100 cash back after $500 in purchases within the first 3 months of account opening. 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness. Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment. Full 1% cash back on all other purchases and eligible cash advances. No Annual Fee. Rewards Earn 5% cash back per $1 spent in popular categories that change with the seasons . Earn 1% cash back per $1 spent on all other purchases. Maximum of $300 cash back per calendar year earned on most purchases made with your card. However, cash back earned on purchases through the Citi Bonus Cash Center are not subject to the $300 calendar year maximum accumulation. Redeem Rewards Cash back rewards are payable in checks of $50 increments upon your request. Fees and APR No annual fee. Intro APR: 0% for 12 months, then purchase APR. Purchase APR: 12.99% - 22.99% variable, depending on credit history. Balance Transfers: 0% for first 12 months, then purchase APR. Balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater.

Card Details:

Purchase APR:	0% for 12 months, then 12.99% - 22.99% (V)
Features:	5% cash back per $1 spent in popular categories, 1% per $1 spent on all other purchases
Annual Fee :	$0
Credit Needed:	Good

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Citi® Dividend Platinum Select® Visa® - $100 Cash Back Review: Credit Cards

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