Citi Dividend Card For College Students review

The Citi Dividend Card for College Students is one of the best student cards offering cash rewards when you spend on the card. This Citi student card gives you bonus cash back on certain eligible purchases and 1% cash back for all the other purchases you make with your card.

Unlike a debit card, student credit cards can help you establish a credit history, and if you make purchases with it and pay your bills on time, you would build a good credit score over time, which is important when you find employment in the future or apply for loans.

Here is a detailed review of the Citi Dividend Card for College Students, highlighting the pros and cons of this student credit card and how it best benefits you.

Things We Like About This Card

No annual fee. Get cash rebates in return for your spending without paying any annual fee with this Citi Dividend Card for College Students.

0% introductory rate on purchases for 7 months. After the introductory period, the APR for purchases will be variable, between 13.99% and 23.99%, depending on your creditworthiness. You pay no interest if you make full payments every month.

Get bonus cash back from Citi on eligible purchases when you purchase in select categories such as travel, department stores and so on, with enrollment. For all other purchases you will earn 1% of what you spend.

Your rebates are earned as “Dividend Dollars”, which are payable in checks of $50 increments upon request.

Your Dividend Dollars don’t expire, as long as you have qualifying purchase activity at least once every 12 months unless the Citi Dividend Card Reward Program is terminated. This allows you to accumulate and redeem your rebates whenever you want.

No cosigner required if you have good enough credit.


Citi Photocard option. If you wish, you can have your photo and signature at the front of your credit card. What a great way of identifying yourself! It also makes it more difficult for someone else to use your card in person if your card gets stolen.

Fraud and security protection services as well as identity theft solutions, emergency cash replacement and lost or stolen card reporting.

Auto Rental Collision Damage Waiver. If you rent a car with your Citi card and damage the car in an accident or if it gets stolen, don’t worry about the cost since you will be covered automatically.

Retail Purchase Protection. This plan will protect you against any accidental damage or the theft of eligible purchases for up to 90 days from the date of purchase. This benefit is very useful for when you purchase expensive items like a laptop.

Free extended warranty. Citi will extend the original U.S. warranty (of one year or less) of the items you purchase by up to one year.


Our Least Favorite Things About This Card

Yearly rebate limit, that only allows you to earn a maximum of $300 in rebates per year. The good thing is that this rebate limit doesn’t apply to the rebates earned on purchases through the online Citi Bonus Cash Center which are unlimited. There’s also no limit on the Dividend Dollars that you are also eligible to earn when making balance transfers.