Citi Dividend Platinum Select Card issued by Citibank
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Citi® Dividend Platinum Select® Card, issued by Citibank, is designed for those with very good credit who plan to take advantage of the cash reward program. Through the reward program, cardholders earn a 5% cash back rebate on purchases made at supermarkets, gas stations, drugstores, convenience stores, and utilities including cable for six months and 2% thereafter, and they earn a 1% cash back rebate on all other purchases as well as on qualifying balance transfers, cash advances, and convenience check transactions. Cardholders will receive $5 Dividend Dollars for each balance transfer transaction of $1,500 or more. Cardholders can earn unlimited cash back by shopping within the Citi® Bonus Cash Center, but the rebates earned on all other purchases are subject to a $300 maximum per year. A $50 check will be issued upon request once $50 Dividend Dollars have been earned. The card has no annual fee, an average interest rate for purchases, and an interest-free introductory offer on balance transfers for twelve months. However, there is a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap. The card also provides platinum cardholder benefits that include up to $1,000,000 in travel accident insurance, auto rental insurance, car rental discounts, and various travel and emergency assistance services. Therefore, those who plan to take advantage of the cash back reward program and the introductory rate on balance transfers will benefit most from what the Citi® Dividend Platinum Select® Card has to offer. Most Attractive Feature: Long term 0% introductory rate on balance transfers; no annual fee; 5% cash back reward. Least Attractive Feature: Minimum APR cap for cash advances. Apply Now For Citi Dividend Platinum Select Card Note: The review of this Citibank card was updated on 05/05/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	0% APR for 12 Months
Applied Towards:	Balance Transfers
Details:	The introductory rate is available on balance transfers submitted during the first twelve months.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum) / $500 (Minimum)
Purchases APR:	As low as 9.49%
Cash Advance APR:	19.99% There is a minimum APR on cash advances.
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days (Min.)
Fees Associated with this Card
Annual Fee:	$0
Add. Cardholders:	$0
Late Payment Fee:	$15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over
Over-the-Limit Fee:	$39
Cash Advance Fee:	3%, $5 minimum
Balance Transfers:	A balance transfer fee applies with this offer* (see site for details).

The Rewards Program Highlights
Optional Reward:	No
Rebate Minimum:	1%
Rebate Maximum:	5%
Additional Rebates:	Earn a 5% cash back rebate on purchases made at supermarkets, gas stations, drugstores, convenience stores, and utilities including cable for 6 months and 2% thereafter; earn a 1% cash back rebate on all other purchases; and earn a 1% cash back rebate on qualifying balance transfers, cash advances, and convenience check transactions. Cardholders will receive $5 Dividend Dollars for each balance transfer transaction of $1,500 or more. Cardholders can earn unlimited cash back by shopping within the Citi® Bonus Cash Center.
	A $50 check will be issued upon request once $50 Dividend Dollars have been earned.
Yearly Limit:	$300 Dividend Dollars (Dividend Dollars earned on purchases through the Citi Dividend Merchant Network are not subject to the $300 maximum.)

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. No liability for unauthorized transactions. Identity theft solutions. Fraud and security protection services. Lost and stolen card reporting. Emergency cash replacement. Emergency card replacement. Automatic bill payments. Year-end financial statement (upon request). Up to $1,000,000 in travel accident insurance. Auto rental insurance. Medical referral services. Legal referral services. Lost luggage assistance. Discounts on auto rentals. Optional personal photo on card. See website for additional benefits. Important Notes Regarding This Offer The APR for purchases and balance transfers varies according to the applicant\'s credit history and will be 4.49%, 7.49% or 9.49% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.