Citi® Dividend® Card for College Students Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The Citi® Dividend® Card for College Students. Compare to other cards and apply online in secondsJohn KiernanWalletHub
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the Citi® Dividend® Card for College Students may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer.
Citi® Dividend® Card for College Students has a rating of 2.7/5 according to our proprietary credit card rating system. This rating reflects how appealing Citi® Dividend® Card for College Students's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases'. To break it down further, Citi® Dividend® Card for College Students earned a score of 4.0/5 for Fees, 0.0/5 for Rewards, 2.3/5 for Cost, 2.9/5 for APR, and 3.6/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
3.6/5
517 reviewsRead and write reviews
Market Comparison
Market Comparison
2.6
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.
Fees
4.0
Rewards
0.0
Cost
2.3
APR
2.9
2.6/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit, Limited History, No Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 7 months, 13.99% - 23.99% (V) APR after that
Balance Transfer
APR: 13.99% - 23.99% (V)
Balance Transfer Fee:4%
Rewards
Build credit while earning cash back fast.
Earn 5% CASH BACK in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14.
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. See Citi Dividend Card Reward Program Information.
Citi® Dividend® Card for College Students' Additional Info
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.6
Market Comparison
2.6
fees: 4.0
rewards: 0.0
cost: 2.3
APR: 2.9
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Build Credit by Paying in Full Each Month (Students)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.7
User Reviews
3.8
Market Comparison
3.8
fees: 5.0
rewards: 3.4
cost: 3.5
Other Features: 5.0
4.8WalletHub Rating
WalletHub Rating
4.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Build Credit by Paying in Full Each Month (Students)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.7
User Reviews
3.4
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
(517)
(577)
(11)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 7 months
Purchase Intro APR0% for 6 months
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr10.99% for 6 months|Transfer Fee:3% intro balance, up to 5% fee on future balance transfers (see terms)*
Can't find what you are looking for? Submit your question about Citi® Dividend® Card for College Students to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Share your insights and review for the Citi® Dividend® Card for College Students
5
23%
4
40%
3
26%
2
7%
1
5%
3.6
517 reviews
517 reviews
What's Your Rating?
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eric @ericm
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4 Star Rating
I got this credit card as my very first credit card during my last year of undergrad, mainly as a way to build a bit of credit before graduating. There's no annual fee, and the 7-month 0% APR period was perfect for my purposes. I used it several times per week, just as a way of building some credit, but even after the period ended, I found that it was worth using when I needed it, as long as I paid the bill promptly. I am looking forward to getting an even better card that I can qualify for with the good credit I built using this card.
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Joseph Gordon @josephgordonsr
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5 Star Rating
The Citi Dividend card is my first credit card and I have a strong sense of belonging to it! My father always asked me to get Citi credit cards, he had an affinity towards the Citi group for some strange reasons and so he insisted that I apply for the students card from Citi. And when I wanted the student card, I was very specific about Cash back instead of earning the reward points as I would have to redeem it each and every time and they would expire if I don do so on time. The Citi Dividend's cash back along with $0 annual fee made it perfect for me. I could choose my payment due date, which was vital to me as I had no regular income and there was every possibility that I go late on payments. Its a superb card to have!
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Robert Gibbs @robert.gibbs.31521
My mom was the exact same way as your father in regard to the citi card and recommended this to me as well. I really like the grace period. As a struggling student you need all of the help you can get and I am thankful for that.
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Lily Yee @misslilyyyyyy
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3 Star Rating
After I turned 18 I got this card. I felt like it was a good way to build credit. After all everyone knows how important having good credit is. There is not much to lose since there is no annual fee. I like student cards since a lot of banks offer unsecured cards that require a deposit. This card does not need that. I feel that the introduction period was a little short. A lot of cards give free interest rates for as short as year to 18 months. Being that this is a student card, the rates are a little higher. Just be careful and pay your bills and you will be fine. Compare to most student cards this one is better since the cash back benefit. Most student cards do not have that.
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Michael Concialdi @michael.concialdi.7
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5 Star Rating
I have had this credit card since my college days. That was 10 years ago and I am happy to say I have been very pleased with this credit card. Citi Bank was the only company that gave me a chance as a young adult to build up my credit. Over the years I have received frequent credit line increases, low APR’s, and no annual fees. They also have great balance transfer offers which have helped me immensely during tough economic times. There cash back program caps you at $300 but that’s still a fair amount of money to receive just for using your credit card. I recommend this card to all college students who are looking to get a jump start on building a solid credit history.
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aadff bdaf @fikashta
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4 Star Rating
I just recently received this Citi Dividend Card for College Students about three weeks ago. So far, it is pretty nice. The only thing is that I wish I would have signed up for the non-student one. That way, I could have gotten the $100 dollar bonus for spending $500 in the first three months. However, the rewards for this card are phenomenal. While I do not use any of Q3's bonus offers, I am certain that the fourth quarter of this year will have some amazing bonus cashback opportunities. I also enjoy the fact that Citibank has the greatest online security of any bank, making me feel safe whenever I check my accounts online. All in all, this is a nice card, especially given the opening APR and cashback, and easy approval. Definitely recommend for college students looking to build credit.
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Kayce Bomer @kayceb
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3 Star Rating
I first got this credit card when I was a student in college in order to help build up my credit. The rates are pretty reasonable compared to other credit cards. However, they don't really matter as long as you pay on time and in-full (which is what I do).
When I first got the card, they were offering 5% cashback on all purchases. Now, however, it's only 5% cashback on select purchases (like gas) and only 1% for the rest. The 5% cashback for gas isn't very useful given that gas stations where I live charge MORE for using a credit card compared to cash. Even worse is the fact that you need to earn at least $50 cashback in order to get a check. So, unless you charge a LOT of money on your card, you won't see a check.
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Maryanne Sedman @maryannes_1
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2 Star Rating
This was a good card for me as a student to help build my credit. But the interest rates were very high, I guess just how they are for all student rate credit cards because of the liabilities. But They do offer 1% cash back which over the span of a year or so will build up if you spend enough. I would recommend this card to anyone student simply trying to boost their credit rating. However, if you actually plan on getting a credit card to use it often and not just to build your score, I would suggest finding another card due to the interest rates on this one. Their just not plausible, especially for most college students.
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Joey Jefferson @joey.jefferson.79
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5 Star Rating
This is a great credit card and was my first ever credit card. I was worried at first that I would forget to make a payment on the credit card and end up having to pay heavily for it. After all all of my business class professors always stress the evils of credit cards! I decided to get one anyways so that I could start building up credit. Needless to say I was incredibly nervous. Everything went well for the first five or six months, but then come finals time last year it just slipped my mind to pay off the bill at the end of the month and I just wanted to say that I am just now getting all the back paying done since I live on a very small payment. To any students out there this is a great card, but use responsibly!
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Jacob Altermatt @jacoba_7
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5 Star Rating
This is a very good credit card overall and was my second credit card. I got it because I felt my other cards limit was not high enough to cover expenses. The bonus categories could be better but I have never had any major problems with Citi Card. The only issues that I felt I have had with them is when calling Customer Service I once or twice got a person with an accent too heavy to understand but lately I haven't had those issues and from what I recall Citi is going back to American call centers. Overall a good credit card for college students. Get it, you won't be disappointed. The rewards on the card are great and I expect will only get better with time.
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Alex Alexson @alexa_3
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4 Star Rating
This Citi Dividend card was one of two cards I had when I was a college student. It was a good card for a student like me who had next to no credit whenever I got it. The rewards were pretty decent. Their standard rate was 1 point for every dollar spent, but there were some things I got 5 points for each dollar. My laptop that I bought got me 5 points for every dollar, which is a nice reward for a poor college student like I was in those days. Another good thing was is that I did not have to have a cosigner, which gave me a bit more independence and was a relief to my parents. The spending limit was fairly low, and that was my only complaint about the card. However, a low spending limit is probably good for a college student.
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