Citi Dividend Credit Card Review (2019.11 Update: $15 off $75 at Amazon [TARGETED])


Citi Dividend Platinum Select Credit Card Review

2019.11 Update: I just received a promotional offer on one of my Citi Dividend accounts to receive a $15 statement credit after spending $75 at Amazon between 11/11/19 and 12/31/19. I am not sure if other Citi products are being targeted or just the Dividend. Subject line is “Earn $15 back this holiday season with Citi at, [NAME].”

Application Link

  • This card is no longer available to apply, but you can get it by converting from other Citi credit cards.


  1. Earn 5% cash back in each quarter’s bonus categories, 1% on all other purchases. The following picture shows the bonus category calendar for 2015:dividend-category-2015
  2. The upper limit of cashback you can earn per year (12 billing periods in a row beginning with the one that includes January 1st) is $300. It’s better than Chase Freedom and Discover It because there’s no $1500 spending limit per quarter, you can directly spend $6000 in a good category and get $300 cashback.
  3. No annual fee.


  1. There’s an upper limit of how much cashback you can earn: the cap is $300 cashback per year.
  2. Compared to the same kind of 5% cash back credit cards Chase Freedom and Discover It, the bonus categories in this credit card is not so broad.
  3. It has foreign transaction fee, so it's not a good choice outside the US.
  4. No sign-up bonus.


This credit card has no annual fee and has 5% cash back bonus category in each quarter, so it is a good card to keep. The best way to get this credit card is to apply for a Citi MasterCard with high sign-up bonus (such as: Citi AAdvantage 50k Offer, Citi ThankYou Premier 50k Offer, Citi Prestige 50k/60k Offer), and then when you don’t want keep them anymore, you can convert them to this Citi Dividend credit card. Note that you may need to wait for 12~15 months to convert cards, and you can ask the customer service representatives for details about this.

Historical Offers Chart

This card stopped accepting new applications in 2014.8.

Application Link

  • This card is no longer available to apply, but you can get it by converting from other Citi credit cards.

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