Editor's Rating5 Star Rating

Here is a card that catches the eye and that I like because it offers bonus cash back from Citi for purchases in changing categories when you enroll each quarter. The card offers 1% on all other purchases. The total cash back you can earn with this card is $300 per calendar year. See Citi Dividend Card Reward Program Information. There is a 0% introductory purchase APR for the first 7 months.* After the introductory period the purchase APR will vary with the market based on the Prime Rate and is currently 13.99% – 23.99% variable, based on your creditworthiness. There is no annual fee. Downside: After the introductory period purchase APR can be moderate to very high depending on credit worthiness.

Highlights: Citi® Dividend® Card for College Students

Editor's Rating

Citi<sup>®</sup> Dividend<sup>®</sup> Card for College Students

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  • Build credit while earning cash back fast
  • Earn 5% cash back every quarter in must-have categories like department stores, travel and more, enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases
  • The total cash back earned with the card is $300 per calendar year. See Citi Dividend Card Reward Program Information.
  • Choose your payment due date
  • Manage your account online, on your tablet or on your Smartphone
  • No Annual Fee
  • Click Apply Now for pricing details
Credit Required: Good
Balance Transfer Intro APR


Balance Transfer Intro Period


Balance Transfer Fee

4% ($5 min. ) (4% of each balance transfer; $5 minimum.)
Purchase APR

13.99% - 23.99%* Variable

Annual Fee


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