Best Cash Rewards Credit Card for Holiday Shopping

Citi Dividend Platinum Select Visa Card BigWe just learned of a special credit card that Citi is offering that could save you a bundle on Christmas and holiday shopping. The card is the Citi® Dividend Platinum Select® Visa® Card. Now that card has been around for a long time and is one of the better cash back credit cards you can find. But Citi is offering a special version of the card for a limited time. The key is to make sure you apply for the correct version of the Citi Dividend Platinum Select Visa Card – $100 Cash Back.

Here’s a summary of what the card offers:

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • 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, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details

As I said above, the key is to make sure you apply for the right version of the Citi® Dividend Platinum Select® Visa® Card. If you follow this link to Citi, you’ll find the application page for the version of this card that has the above incentives.  The $100 cash back is a nice feature, but several of the better cash back cards offer the same thing. The real key for this card is the 5% cash back on Fitness club, health care and utilities purchases from now until March 31st. That will cover almost any gift you want to buy, and a 5% cash reward is really hard to beat.

And the 0% balance transfer offer for 12 months is a nice feature if you already have some high interest credit card debt. This isn’t the longest 0% offer available (the Citi Platinum Select offers 0% for 21 months). But combined with the cash back features, this card is one of the most rewarding credit card offers available.

Anyway, I thought this looked like a great cash back offer for the holidays, so thought I’d pass it along. If you want to check it out, visit the Citi® Dividend Platinum Select® Visa® Card page for more information.

Published or Updated: December 20, 2013
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

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