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Dividend Platinum Select Visa Card for College Students

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  • Enroll to earn 5% cash back from Citi on eligible purchases at, fitness clubs and drugstores 
  • Earn a full 1% cash back on all other purchases
  • Free enrollment each quarter for new categories 
  • Manage your account online, on your tablet or on your Smartphone
  • $0 Liability on unauthorized charges
  • No Annual Fee and no co-signor required

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0% 13.99% - 23.99%* Variable $0 N/A
  • Purchase Intro Period: 7 months
  • Balance Transfer Intro Rate: N/A
  • Balance Transfer Rate: 13.99% - 23.99%* Variable
  • Cash Advance Rate: 25.24%
  • Late Fee: Up to $35
  • Cash advance Fee: 5%, Min: $10
  • Balance Transfer Fee: 4%, Min: $5
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Good Credit Score

Dividend Platinum Select Visa Card for College Students Review

The Citi Dividend Platinum Select Visa Card for College Students card is one of CIti's very competitive student credit cards.  It offers one of the most generous rewards programs in the industry for students, including 5% cashback at commonly used retailers and 1% cashback on everything else.

While the 0% introductory APR for the first 7 months and 5% cash back from Citi for the first 3 months on eligible purchases from, fitness clubs, and drugstores is very attractive for college students, it is important not to splurge on unnecessary purchases, for the sole purpose of taking advantage of the rebate program.  This is because the account has a significant APR month to month, and it is important for college students to pay off their balance at the end of every month.

That said, because of the very competitive rewards program the Citi Dividend Card for College Students one of our top choices for student credit cards.  We just also want to make sure to drive home the point of Student Credit Cards - building a solid credit score for graduation.