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Citi® Dividend Platinum Select® Card – $100 Cash Back

Written by adamavatar

The credit card industry has always been creative in attracting new customers for various programs.  This has become even more pronounced in light of the availability of online comparisons services and reviews.  Citi® Dividend Platinum Select® Card is one of the most attractive options for those looking for a good balance transfer opportunity and rewards program combined.  In selecting this program, you have the opportunity to freeze interest on your transferred balance for a year, allowing you time to aggressively pay down that balance.  Additionally, any purchases made will allow you to earn rewards.

Using the Citi® Dividend Platinum Select® Card – $100 Cash Back program is one of the few zero percent introductory APRs available, allowing a full year at the no interest level in order to reduce principle.  Your creditworthiness determines your rate at the end of your introductory period, so it is important to keep your payments timely.  Many individuals find that rewards allow them to use their credit cards in a more targeted manner in order to reduce their balances.  For example, a $500 expenditure in the first three months of using the Citi® Dividend Platinum Select® Card – $100 Cash Back program earns a bonus of $100.  A minimum of one percent cash back is guaranteed on all purchases made with the Citi® Dividend Platinum Select® Card, and as much as five percent may be earned on eligible purchases with the card through the Citi Bonus Cash Center.  As your cash back rewards accrue, you may use them to pay toward your outstanding balance.

Many customers appreciate the lack of an annual fee with the Citi® Dividend Platinum Select® Card.  Others love the fact that there are opportunities to earn such a high percentage in rewards with popular retailers like Home Depot.  Some discover that instead of paying regular bills by cash or check, they can pay with their rewards credit cards in order to accrue cash back.  Meanwhile, the money that would have been paid directly toward those bills is applied to the credit card balance in order to avoid an increase in the overall debt.  At the same time, this fast repayment of balances complements a customer’s credit history.