Consider what the Citi Dividend Card can do for your needs in credit. When what you want is cash back, this can be one of the best credit cards to provide it to you. Those that select this credit card should have a very good credit rating. Those that qualify will find benefits in the form of a cash reward, something highly sought and often hard to find. Yet, the Citi Dividend Card makes it easy to do.

The Details Of The Card

When it comes to the details of the Citi Dividend Card, you will find twelve months of an introductory 0% interest rate on balance transfers. This rate is available for those first 12 months on anything that you transfer into your account during that 12 month period. After that, you get a good 17.99% APR on purchases and 22.99% on cash advances. There is no annual fee on this credit card and you can use the average daily balance method of handling finance charges which helps to keep your rates lower when you are carrying a balance.

The Reward

With the Citi Dividend Card, you will see rebates ranging from 1% to 5% on your purchases. You get 5% cash back when you use your card to pay for purchases at supermarkets, gas stations and drugstores. You will then get 1% on purchases made elsewhere as well as on cash advances and convenience checks. When you gain $50 in Dividend Dollars in your account, you will then be able to request a check for the funds. There is no expiration on your earnings, but you are limited to $300 rebates in one year.

The Citi Dividend Card is a well deserved benefit to those that are looking for a way to get cash back from their credit card company. They will find benefits are easy to come by when you use your credit card as you already do. The Citi Dividend Card may be the perfect choice for your specific need if your credit score is good.