Details Of The Citi Dividend Platinum Select Card For College Students Application
Below is a MRR and PLR article in category Finance -> subcategory Credit.
Everything You Need to Know About the Citi Dividend Platinum Select Card for College Students
Overview
The Citi Dividend Platinum Select Card for College Students is an excellent choice for young adults looking to build credit and earn rewards. Backed by Citi's exceptional support network, this card offers a variety of beneficial features tailored to meet the needs of college students.
Key Features
The Citi Dividend Platinum Select Card provides a competitive set of features, especially for students with decent credit scores seeking cashback opportunities.
Low Interest Rates
- Introductory Offer: Enjoy 0% interest on purchases, balance transfers, and cash advances for the first six months.
- Standard APR: After the introductory period, the APR is 17.99% on purchases and 22.99% variable on cash advances.
Cost-Effective Balancing
- Average Daily Balance Method: This method helps reduce expenses for those carrying a balance, ensuring affordability.
No Annual Fee
- Financially Friendly: Unlike many student credit cards, there's no annual fee, allowing students to save money while using the card.
Rewards Program
The Citi Dividend Platinum Select Card offers attractive cashback rewards that cater to common student expenses.
Cashback Earnings
- 5% Cashback: Earn 5% on purchases at supermarkets, gas stations, and drugstores.
- 1% Cashback: Gain 1% on all other purchases, including cash advances and convenience checks.
- Balance Transfer Bonus: Receive $5 in Dividend Dollars for every $1500 transferred.
Redeeming Rewards
- Easy Redemption: You can request a check once your rewards reach $50.
- Annual Limit: There's a cap of $300 in rebates, ensuring transparency and clarity.
Conclusion
The Citi Dividend Platinum Select Card for College Students stands out for its low interest rates and impressive cashback benefits, which are typically hard to find in student credit cards. It offers a perfect blend of affordability and rewarding features, making it a top choice for college students looking to manage their finances wisely.
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