|
|
| Introductory Rate |
|
Purchases: |
0% |
Balance Transfers: |
0% |
| Introductory Period |
|
Purchases: |
12 months* |
Balance Transfers: |
12 months* |
| Regular APRs |
|
Purchases: |
12.99% - 22.99%* (Variable) |
Balance Transfers: |
12.99% - 22.99%* (Variable) |
| |
|
Cash Advance: |
See Terms*
|
Penalty: |
See Terms* |
| Fees |
|
Annual: |
None |
Balance Transfers: |
See Terms* |
| |
|
Late: |
See Terms* |
Cash Advance: |
See Terms* |
Editor's Review
The Citi Dividend Card is the flagship cash back credit card from Citibank. Cardholders earn 1% cash back on every purchase they make, plus 5% cash back in categories that rotate four times a year. This no annual fee card currently offers consumers a substantial $100 sign up bonus. To earn this perk, card members must spend $500 within three months of opening a new account. This is a fairly easy to obtain bonus, particularly if you use your card for everyday spending.
In addition to these rewards features, the Citi Dividend card offers a 0% introductory period on both purchases and balance transfers. At 12 months, this is slightly longer than average offers and very long for a rewards credit card that offers a substantial cash back sign up bonus. Additionally, this is a good card for consumers who intend to use the card for purchases and balance transfers, as the $100 cash back bonus can balance out the standard 3% fee levied on balance transfers.
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* See the online credit card application for terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " APPLY NOW " button you can review the credit card terms and conditions on the credit card issuer's web site.
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