Citi® Dividend Platinum Select® Card for College Students

From the CompareCards.com Editorial Team:

The Citi Dividend Platinum Select for college students is a student-focused Visa card that has no annual fee and offers a 7-month 0% APR introductory rate to start off with a full college semester of no interest payments. Plus there is no co-signer requirement as long as you are old enough to have your own plastic.

For the first six months you can also earn a 5% cash back rebate on purchases made at gas stations, drugstores, convenience stores, grocery stores, and when paying for utilities – including cable TV. Once that intro rebate rate expires, you still get 1% back on all purchases and at least 2% back in restaurants, hotels, and when spending money for other designated categories that rotate on a seasonal rewards rate calendar.

Other cash back rewards can be earned for transferring large balances from other cards, and there are online account management tools to help establish credit history. That makes this a very user-friendly card for the student, and it is a convenient kind of plastic for those who want a real Visa card and a chance to strengthen their own good credit.

The Bottom-Line
The Citi Dividend Platinum Select Student Card for college students is a smartly structured student credit card because it offers rewards and incentives plus a great intro rate and no annual fee. Students can also get this Citi card without a financial co-signer, so that delivers more independence with fewer hassles.

The Good
Students will find this a great credit card for earning easy and valuable rewards points, and they also get to enjoy a 0% intro rate for seven months plus no annual membership fees. The card doesn’t require a co-signer either.

The Not So Good
This is a card made with young students in mind, so it may not be the right kind of plastic for consumers who are not planning to attend school while carrying the card.