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Citibank Dividend Rewards Card Programs

How to Apply for a Citibank Dividend Rewards Card

The Citibank Dividend rewards card is one of the few rewards cards from Citibank that is not associated with the Thank You points system. Instead of rewarding card holders with Thank You points, Citibank Dividend gives card holders a cash back reward. There are two Dividend cards to choose from – Platinum and Platinum for College Students. Both cards offer online applications [+]. To apply by phone, applicants can call 1-800-839-5054 for the Citibank Dividend rewards card for college students or 1-800-601-8268 for the standard card application.

Earning Citibank Dividend Card Rewards & Benefits

There is nothing simpler than earning rewards with the Citibank Dividend rewards card program. With every purchase the customer account is credited with a predetermined percentage of that purchase in cash back. Standard cash back is earned at 1% of purchases, but there are special offers that change quarterly. When customers use their Citibank Dividend rewards card at the special locations they can earn up to 5% cash back on each purchase. Card holders are limited to earning $300 in Dividend dollars per calendar year [+].

The special 5% cash back deal is not an automatic reward. Card holders must register for the 5% reward program each quarter.

Redeeming Your Benefits

Dividend dollars accumulate in the customer account with each purchase. Card holders can trade in 50 dividend dollars for a $50 cash back bonus. The cash back reward will not generate automatically. The card holder must request the cash back.

Fee Schedule for the Citibank Dividend Rewards Card Program

Though generally the same, Citibank Dividend rewards fee schedules are slightly different for the college and standard cards [+].

College Students

  • Annual Fee: $0
  • APR: 0% for the first seven months then from 13.99% to 23.99%
  • Cash Advance APR: 25.24%
  • Penalty APR: 29.99%
  • Balance Transfer Fee: The greater of $5 or 4% of the balance transfer.
  • Cash Advance Fee: The greater of $10 or 5% of the cash advance.
  • International Transaction Fee: 3% of the purchase (US dollars).
  • Late Payment Fee: Maximum of $35.
  • Returned Payment Fee: Maximum of $35.

Standard Card

  • Annual Fee: $0
  • APR: 0% for the first 12 months then from 12.99% to 22.99%
  • Cash Advance APR: 25.24%
  • Penalty APR: 29.99%
  • Balance Transfer Fee: The greater of $5 or 4% of the balance transfer.
  • Cash Advance Fee: The greater of $10 or 5% of the cash advance.
  • International Transaction Fee: 3% of the purchase (US dollars).
  • Late Payment Fee: Maximum of $35.
  • Returned Payment Fee: Maximum of $35.

Cancelling Your Citibank Dividend Rewards Card

Your Citibank Dividend rewards card should have a contact phone number listed on the back of the card. That number should match the customer service phone number you would call to ask questions about your account. If you want to cancel your card, call that customer service phone number. Citibank customer service can also be reached at 1-800-950-5114.

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