08.25.08 | Vote for the Best Card in the Citi® Back-to-School Student Promotion
Citi® has recently launched a back-to-school promotion for a couple of their student credit card
s which knocked our socks off. We already had rated them really high on our website and they happen to be two of the most commonly applied for cards on our site too.
When they contacted us and made this offer available to our customers we were thrilled. You should be thrilled too, here’s why:
• You’ll only find one student credit card site authorized to offer this deal- us.
• 10% cash back on gas purchases with the Citi® Dividend Card for College Students
• Double points for three months with the Citi® mtvU Student Credit Card
• Both cards offer 0% interest for the first 6-months!
So now we want to know which card you think is the best, we think both are pretty good deals. Especially since you’ll probably have lots of unplanned expenses at the beginning of the semester, the 0% interest offer can really come in handy.
Here’s what you do, review each card description below. Then at the bottom of this post follow the survey link and tell us which card you think is the best choice for students. If you’re a ScholarshipPoints Member we’ll give you 20 points for your vote.
Citi® mtvU Student Credit Card
For a limited time, Citi® is offering the Citi® mtvU™ Platinum Select® Visa® Card for College Students in this special back-to-school offer. The ® mtvU™ Platinum Select® Visa® Card for College Students is designed specifically for students and offers a unique reward program that awards students for using credit wisely and for receiving good grades.
Through the reward program, cardholders earn five points for general purchases and ten points for every dollar spent at restaurants, bookstores, record stores, movie theaters, and video rentals during the first 3 months of having the card. These points can be redeemed for gift cards, CDs, a VIP mtvU™ Spring Break Pass, tickets to the MTV Video Music Awards, and airline tickets. There is a 75,000 yearly limit to the number of points that may be earned, and points expire in five years.
This card has no annual fee, but the interest rate for purchases and balance transfers is above average for a student card. However, there is a 0% introductory rate that applies to all transactions for the first six months (a rare benefit for a student credit card).
The card provides platinum cardholder benefits that include up to $1,000,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services. Cardholders also receive a 10% discount on purchases made at the MTV online store and at the MTV New York City Store.
Students who can afford to pay in full each month after the introductory rate expires (to avoid finance charges) and plan to take advantage of the reward program will benefit most from what the Citi® mtvU™ Platinum Select® Visa® Card for College Students has to offer.
Citi® Dividend Card for College Students
For a limited time, Citi® is featuring the Citi® Dividend Platinum Select® Card for College Students as part of this great back-to-school offer. Through the reward program, cardholders earn a 10% cash back rebate on purchases made at gas stations, supermarkets, drugstores, convenience stores, and utilities including cable for three months and 2% thereafter, and they earn a 1% cash back rebate on all other purchases as well as on cash advances and convenience check transactions taken at the standard cash advance rate.
Cardholders will receive $5 Dividend Dollars for each balance transfer transaction of $1,500 or more. Rebates earned on purchases through the Citi Bonus Cash Center(SM) are unlimited, but the rebates earned on all other purchases are subject to a $300 maximum per year. A $50 check will be issued upon request once $50 Dividend Dollars have been earned.
This card has no annual fee, but it does have an above average interest rate for purchases (for a student card). However, there is a 0% introductory rate that applies to all transactions for the first six months (a rare benefit for a student card).
The card also offers several platinum benefits and services such as up to $1,000,000 in travel accident insurance, lost and stolen card reporting, and identity theft solutions. However, it is the reward program that proves to be the best benefit available to cardholders.
Students who can afford to pay in full each month after the introductory rate expires (to avoid finance charges) and plan to spend enough to take advantage of the rebate program will benefit most from what the Citi® Dividend Platinum Select® Card for College Students has to offer. Those who plan to spend less on the credit card or plan to carry a revolving balance may want to consider a credit card with a lower interest rate.
Note: This is an old blog post. Citi no longer offers the Dividend Platinum Select card. To learn why, read our post – Why Student Credit Cards Could Vanish in 2009
The Student Credit Blog is sponsored in part by:
Cool.
August 25th, 2008 | #
good things
August 25th, 2008 | #
I like the mtvU student credit card, alot of benefits. Not sure about that interest rate though.
August 25th, 2008 | #
I like citimtvu
August 25th, 2008 | #
the College Dividend Card. Pretty good rebates.
August 25th, 2008 | #
i think it’s a good
August 25th, 2008 | #
I think both cards are good but I like the Citi dividend card because of the rewards program.
August 25th, 2008 | #
It’s ok…
August 26th, 2008 | #
I think the MTVu card is the best bet….lots of things to get with the points.
August 26th, 2008 | #
I’d vote for Citi Dividend
August 26th, 2008 | #
I’d vote for Citi Dividend
August 26th, 2008 | #
yeah its pretty sweet
August 26th, 2008 | #
College Dividend Card has my vote
August 26th, 2008 | #
dividend sounds good
August 26th, 2008 | #
I think that’s cool…good deal for students.
August 26th, 2008 | #
I think they both suck! they have interest rates higher than they should and all they do is encourage students to use them! that is NOT the way to get good credit! a lot of “card holders” will use it more just to get the benifts and they will go into debt quicker than a low interest “emergency only” card!!!!
August 26th, 2008 | #
The Citi Dividend card looks much better. 10% cashback for gas, groceries, AND utilities is very competitive. You’d be hard-pressed to find cards that offer even 5% for only one of those categories. In fact, I think I just might apply for this card right now.
August 26th, 2008 | #
MTVu is the best
August 26th, 2008 | #
MTVu is the best because you get more points!
August 27th, 2008 | #
its the best
August 27th, 2008 | #
i love life the college part
August 27th, 2008 | #
i think that both are good offers. i do prefer the second one. because of the balance transfer thing. thats really good
August 27th, 2008 | #
I think I would enjoy the benefits of the dividend card more!!
August 27th, 2008 | #
good info
August 27th, 2008 | #
Andie, remember that interest is only charged on balances you carry month-to-month. We encourage students to charge what they can pay back in a month and thus avoid paying interest altogether.
If this is what you do, then cards with benefits will really pay off for you better than a low interest card with no benefits (since the low interest rate won’t help you if you don’t carry your balance anyway).
I have probably $2,000 in free golf equipment I got from rewards off my credit cards and I just got a new $300 digital camera for free from my points. Plus I didn’t carry a balance and so didn’t pay interest!
CCG
August 27th, 2008 | #
I like the mtvu card
August 27th, 2008 | #
Sounds Great!
August 27th, 2008 | #
Citimtvu
August 27th, 2008 | #
Sounds Great
August 27th, 2008 | #
I like MTVu!
August 27th, 2008 | #
i THINK IT’S REALLY GREAT!
August 27th, 2008 | #
I like Citi Dividend Card
August 28th, 2008 | #
I like the Citi Dividend Card. The rebates and earn cash back on your purchases. Great idea.
August 28th, 2008 | #
The dividend card sounds good but not sure of the high intrest rates
August 28th, 2008 | #
Dividend cards have to be the best. We all love dividends.
August 28th, 2008 | #
Beware of accumulating too much credit card debt while in college.
August 28th, 2008 | #
Dividend would be my choice.
August 29th, 2008 | #
THEY ARE ALL OK
August 29th, 2008 | #
I LIKE MTVu
August 29th, 2008 | #
cool nice article
August 29th, 2008 | #
Dividend seems like a good card.
August 29th, 2008 | #
Neither are very good as they both have a high credit l imit. But if I would have to pick one it would be the Dividend despite the fact that it encourages balance transfers which is a terrible idea. Never charge more then you can pay.
August 30th, 2008 | #
I like the dividend card, that would be my first choice.
August 30th, 2008 | #
I agree with Regina.
August 30th, 2008 | #
average!!! but the 10% return seems good
August 30th, 2008 | #
mTVu is the greatest
August 30th, 2008 | #
I think the Dividend card
August 30th, 2008 | #
the mtvu sounds like a good offer.
August 30th, 2008 | #
dividend
August 30th, 2008 | #
dividend card but with lower interest rate
August 30th, 2008 | #
dividend card but without the high interest
August 30th, 2008 | #
I say the Citi Dividend because of the rebates. It’s good to know you can be rewarded for everyday things such as gas, food, etc. Interest rates are crazy but encourage students to use credit wisely.
August 31st, 2008 | #
mtvU–but the interest rate isn’t a good thing
August 31st, 2008 | #
I like the dividend card better than the MTV.
September 1st, 2008 | #
sounds like a great deal
September 1st, 2008 | #
gas is expensive so the reward backis good so i think it okay
September 1st, 2008 | #
I love the Citi Dividend because of the great cash back deals!
September 1st, 2008 | #
The MTVu card is best for me.
September 2nd, 2008 | #
I think the Citi Dividend card for College Students is the best card. It teaches you to use your credit card wisely if you want the best reward. Positive reinforcement is effective for college students.
September 2nd, 2008 | #
City Dividend is a great cash value for its customers
September 2nd, 2008 | #
The Citi card offer great card options for students
September 2nd, 2008 | #
Citi offers great card points for students
September 2nd, 2008 | #
citi card is a great way for students to earn points
September 2nd, 2008 | #
dividend card
September 2nd, 2008 | #
Citi Dividend Platinum, Sweet deal affordable and O% interest rate, no annual fee, plus you can’t beat a cash bonus
September 2nd, 2008 | #
City Dividend is a great offer. My goal is to pay off my balance each month and pay no interest! Can’t afford it then don’t buy it.
September 2nd, 2008 | #
i like the citi card
September 2nd, 2008 | #
Citimtvu sounds best because you need to pay off account each month to save intrest. Has great awards points
September 3rd, 2008 | #
i love the citi dividend card…its great
September 3rd, 2008 | #
I feel the citi dividend card is best for college students due to the fact of receiving a discount on gas and groceries and for also paying day to day living expenses. Sometimes, it is easier to charge them and make smaller payments so we can surive and pay them off at the end of the month when we receive paychecks or student loans/grant funds.
September 3rd, 2008 | #
I like the citi card
September 3rd, 2008 | #
Citi card looks the best
September 3rd, 2008 | #
I prefer the Citi Dividend Platinum Select Card
September 3rd, 2008 | #
I think that Citi Platinum is better, but the other one does not look bad either.
September 3rd, 2008 | #
MTVu, but careful with debts!!!!
September 3rd, 2008 | #
The Dividend Card is better, more pratical expenses (supermarkets,gas,bills, etc.)
September 3rd, 2008 | #
I think the dividend card for college student is tempting.
September 3rd, 2008 | #
Citi looks very useful, the others do too.
September 3rd, 2008 | #
mtvu
September 3rd, 2008 | #
I LOVE THE CITI CARD ITS THE BEST!!!
September 3rd, 2008 | #
It’s a good thing.
September 3rd, 2008 | #
mtvU card looks pretty good! but not to sure about the interest rate.
September 4th, 2008 | #
MTVu
September 4th, 2008 | #
mtvU card looks pretty good, but what is the interest rate after the introductory offer?
September 4th, 2008 | #
Citi card…10% cash back rebate!
September 4th, 2008 | #
I THINK BOTH CARDS ARE GOOD. DIFFERENT STROKES FOR DIFFERNT FOLKS
September 4th, 2008 | #
the mtvu card cause nobody wants a high intrest rate… and you get money back!!!
September 5th, 2008 | #
i like the mtvu one becuase you get money back and a lower intrest rate
September 5th, 2008 | #
the mtvu
September 5th, 2008 | #
Sounds Great
September 5th, 2008 | #
i think the citi dividend would be the better option although i dont believe credit cards are a good idea for anyone especially a college student as there is always something that is “in need” or an “emergency” with someone who is paying out the ass for school anyway. it’s a good way to get into debt that’s gonna cause alot of trouble in the future. Just remember that pizza hut at midnight when youve been cramming for finals for a week straight doesn’t constitue an ‘emergency’ for using your credit card. good luck to all those who have credit cards and if you want to stay out of trouble remember to pay them off quickly.
September 5th, 2008 | #
The mtvu one seems like the best offer. It has the lowest interest rates and you get money back.
September 5th, 2008 | #
mtvU is awesome… if you get enough points you can go to a mtv awards show.
September 6th, 2008 | #
sounds pretty cool
September 6th, 2008 | #
I have the MTVu card, and so far the only thing I really like are the rewards you can earn
September 7th, 2008 | #
ithink its pretty cool and who would want to go to an mtv awards
September 7th, 2008 | #
mtvU
September 7th, 2008 | #
I think I would go with the citi mtvu card
September 7th, 2008 | #
the college dividen card has excellent rebates
September 9th, 2008 | #
The dividend card. Excellent rebates!
September 9th, 2008 | #
the citi dividend card seems pretty good…esp. the cash back rebate = ]
September 9th, 2008 | #
the citi divident card seems to have a better interest rate.
September 10th, 2008 | #
This card was offered on other websites as well not just yours, don’t mislead people.
September 10th, 2008 | #
Mark: No other site besides Citibank has the card with this offer. We didn’t claim we were the only one to have the card. We are the only one to have this offer. Not all Citi student cards have the same terms.
The other sites offer 5% cash back on gas and 5 points for each $1. Citi offered us specifically 10% cash back on gas and 10 points for each $1. Therefore it is a unique offer for our customers.
Please don’t mislead people yourself
September 11th, 2008 | #
I lkie mtvu better
September 11th, 2008 | #
the dividend card sounds like a better deal
September 12th, 2008 | #
The dividend card sounds like a better deal.
September 12th, 2008 | #
The second card sounds like a much better deal.
September 12th, 2008 | #
Sounds good to me.
September 13th, 2008 | #
Dividend
September 13th, 2008 | #
Divedend
September 14th, 2008 | #
I think the Citi Dividend card would be my choice.
September 15th, 2008 | #
That sounds great!
September 16th, 2008 | #
I think that Citi Dividend would be my choice!!!!!!!!!1
September 16th, 2008 | #
I like the Citi Bank Dividend card the best.
September 17th, 2008 | #
i think that they both help so its all good in the neighborhood.
September 17th, 2008 | #
CITI DIVIDEND
September 18th, 2008 | #
That sounds awesome!
September 18th, 2008 | #
I think both cards are good but I like the Citi dividend card because of the rewards program.
September 18th, 2008 | #
I like citi dividend
September 18th, 2008 | #
i THINK IT WOULD BE MY CHOICE
September 18th, 2008 | #
I like the Citi Dividend card.
September 18th, 2008 | #
I might have to go with the Citi Dividene Card….
September 18th, 2008 | #
MTVu
September 19th, 2008 | #
Citi Dividend
September 20th, 2008 | #
The College Dividend Card is of the most reasonable.
September 20th, 2008 | #
Citi Dividend Card sounds like the best option!
September 22nd, 2008 | #
divident card!
September 23rd, 2008 | #
Dividend card but with lower interest rate.
September 24th, 2008 | #
I think its cool
September 24th, 2008 | #
Definitely Citi Dividend.
September 24th, 2008 | #
Citi Dividend card sounds really GREAT!!!
September 24th, 2008 | #
Citi MTVU
September 24th, 2008 | #
Mtvu has so many payback features. You earn many rewards with this card.
September 24th, 2008 | #
Citi Dividend card sounds like the best deal to me.
September 24th, 2008 | #
THINKS CITI CARD HAS GREAT OFFERS…
September 24th, 2008 | #
Citi dividend card sounds better
September 25th, 2008 | #
citidivident card
September 25th, 2008 | #
i like the dividend card.
September 25th, 2008 | #
Citi Dividend makes the most sense in these uncertain financial times
September 25th, 2008 | #
i love my mtvu card!
September 25th, 2008 | #
Citi Dividend
September 25th, 2008 | #
Citi Dividend
September 25th, 2008 | #
the divident card sounds good
September 25th, 2008 | #
Citi® Dividend Card is the best, 10% back on gas, exactly what we need with these gas prices
September 25th, 2008 | #
Citi Dividend
September 25th, 2008 | #
THE CITI DIVIDEND card appeals to me the most
September 25th, 2008 | #
the citi dividend is the best
September 25th, 2008 | #
citi dividend sounds great
September 25th, 2008 | #
I like the Citi Dividend card best. It has a better offer.
September 25th, 2008 | #
Citi Divided is more appealing
September 25th, 2008 | #
i like the mtvu card
September 25th, 2008 | #
This was great!
September 25th, 2008 | #
mtv
September 25th, 2008 | #
citi mtv
September 25th, 2008 | #
dividend
September 26th, 2008 | #
The Dividend card sounds like good deal
September 26th, 2008 | #
I like the Citi® Dividend Platinum Select® Card
September 27th, 2008 | #
its nice but its not for me
September 27th, 2008 | #
its cool
September 27th, 2008 | #
dividend
September 28th, 2008 | #
I think they are both good but I would prefer the second one
September 28th, 2008 | #
Both of the cards have their benefits, but I would have to choose the Citi Dividend card.
September 29th, 2008 | #
dividend
September 29th, 2008 | #
They both sound ok, but the mtvU card offers more benefits for college age people. The only downfall is the percent rate…But in order to increase credit, you have to start somewhere I guess, and as long as your a responsible person, it shouldn’t matter the percent if you pay your balance responsibly.
September 29th, 2008 | #
I like both of the cards, they each seem to have certain benefits. I would personally go for the Citi Dividend Card
September 29th, 2008 | #
Both cards offer good introductory terms. The dididend card would best fit my needs as a student. I use my card more for gasoline these days than ever before. But the trick is to PAY OFF the card when the statement comes in. If you have problems doing that and still want the opportunity to develope credit. Get the card then only use it in amounts you have at that instant in your pocket or bank account. Then send a money order or check for the amount of purchase to the bank. Your card balance will never go over 30 days and you will not pay interest, but you will receive the rewards and build credit at the same time.
September 29th, 2008 | #
I like the MTVu card for the benifits, not so sure about the high interest rates though
September 29th, 2008 | #
I like the mtvU student credit card
September 29th, 2008 | #
MTVU student Card
September 29th, 2008 | #
its all about the dividend card
September 29th, 2008 | #
Citi® mtvU
September 29th, 2008 | #
I like the Dividend Card. I like the cash dividend once you reach $50.
September 30th, 2008 | #
I think the Citibank card is offering college students a good opportunity to establish credit and be rewarded in ways that make expenses while attending school more affordable.
September 30th, 2008 | #
I like the citimtvu
September 30th, 2008 | #
i think the citi card is good. once you reach 50 dollars there is a cash dividend.
September 30th, 2008 | #
Dividend Card for College Students
September 30th, 2008 | #
i think the mtvU card sounds like quite a deal, however i havent looked into all the details
October 1st, 2008 | #
The Citi card is definitely better…for me anyway.
October 1st, 2008 | #
i think both cards are good but i like the points better
October 1st, 2008 | #
I like the Citi card, fits me more.
October 1st, 2008 | #
Dividend
October 1st, 2008 | #
i like mtvU
October 1st, 2008 | #
i like the mtvU card the best
October 1st, 2008 | #
I personally like the Citi Dividend card, it seems like a good way to build your credit. However the interest rate for both is kinda of high. Both cards have decent offers, but the Citi Dividend card has my vote.
October 2nd, 2008 | #
Sounds great!
October 2nd, 2008 | #
I think that College Dividend Card is tops.
October 2nd, 2008 | #
I like the mtvU card the best
October 2nd, 2008 | #
I like the Citi card.
October 2nd, 2008 | #
citi visa platinium card its the best!!!
October 2nd, 2008 | #
I can’t decide. I think both cards are pretty good.
October 2nd, 2008 | #
I thought both cards looked good, but the mTV one had better benefits for me.
October 2nd, 2008 | #
Hard decision
October 2nd, 2008 | #
I wish i had the opportunity to own one of this cards i have so many
friends who have them and all i can’t heres how much have they count
on them and they have been great wen they come handy on an emergency
like to bye a book wen we don’t have the cash, I have the experience
by a friend when i needed to raise some cash in order to by a text
book and next day he came to me with the book and handle to me as a gift, i was shock cause i didn’t have the money to pay for at the moment. so now i understand how this card comes handy.
October 2nd, 2008 | #
Dividend card sounds good.
October 2nd, 2008 | #
Citi has always been a great card for me. I definitely suggest the students point card.
October 3rd, 2008 | #
Citi® Dividend Card for College Students seems like the best choice. It offers more rewards…
October 3rd, 2008 | #
The second one is the best.
October 3rd, 2008 | #
I think they both sound good and it’s almost a necessity to have a good credit card nowadays.
October 3rd, 2008 | #
i think most of the people are happy by using this card, so this card has some good side espatially when you dont have money.
October 3rd, 2008 | #
The second card seems more practical as it will help more with the necessities. The fun stuff included in the first is nice, but the second is much more economical!
October 3rd, 2008 | #
I like the divident card. There seems to be nice rebates along with it.
October 3rd, 2008 | #
i vote the Dividend Card! It just seems like a better deal and more practical!
October 3rd, 2008 | #
i think both cards offer good benefits. i don’t think that any one card is better than the other. it depends on the person and which card they like best.
October 4th, 2008 | #
I like the mtvu card the best
October 4th, 2008 | #
i wish to own one of the card all of them are good is nice to have one thanks
October 4th, 2008 | #
Citi divident sounds the best
October 4th, 2008 | #
I like the second one
October 5th, 2008 | #
mtvU
October 5th, 2008 | #
citi dividend card
October 5th, 2008 | #
the dividend card is better, you get to save money. the first one may get you free things but those things cant be put into a savings account
October 6th, 2008 | #
i signed up for the mtvU card
October 6th, 2008 | #
Sweet
October 7th, 2008 | #
MtvU card looks great to me!
October 7th, 2008 | #
Citi® mtvU Student Credit Card, all the way!
October 7th, 2008 | #
the mtvu sounds best
October 7th, 2008 | #
NUMBER 2
October 7th, 2008 | #
I think the MTVu card is the best!
October 7th, 2008 | #
LIKE THEM BUT STILL LITTLE RISKY FOR STUDENTS, ESPECIALLY ME WITH CHILDREN.
October 9th, 2008 | #
i think dividend card is the best and i prefer it beter
October 9th, 2008 | #
citi
October 9th, 2008 | #
citi dividend card sounds better
October 11th, 2008 | #
Ya, it cool.
October 14th, 2008 | #
the citi dividend card is the card i no is better.
October 15th, 2008 | #
I THINK DIVIDENED CARD IS BETTER
October 23rd, 2008 | #
great deal for students
October 30th, 2008 | #
my choice would be dividend
November 4th, 2008 | #
I like the dividend best.
November 14th, 2008 | #
The Citi Dividend card seems to have more benefits. It has a better program for cash back rebates to places you spend money at, not stuff to spend your money on.
November 18th, 2008 | #
i LIKE CITY CARD
November 20th, 2008 | #
I give my vote to city card.
December 4th, 2008 | #
i like the first option best
December 17th, 2008 | #
I like the mtvU card.
January 6th, 2009 | #
I don’t understand all this stuff, but I think the mtvU is a better option for me.
January 12th, 2009 | #
MTVU
March 5th, 2009 | #
Citi® mtvU™ Platinum Select® Visa® Card
March 26th, 2009 | #
i definitely think the citi dividend card sounds best.
March 27th, 2009 | #
the citi dividend card sounds best
March 29th, 2009 | #
Citi student card gives you a great start in establishing your credit
April 24th, 2009 | #
Citi dividend card sounds the best. I don’t know why they got rid of it.
April 28th, 2009 | #
Citi dividend card sounds the best.
April 28th, 2009 | #
I agree Citi dividend card sounds good.
June 3rd, 2009 | #
SOUNDS GREAT…! ;]
June 19th, 2009 | #
Citi dividend card has my vote
June 24th, 2009 | #
The dividend card sound the best to me.
June 24th, 2009 | #
I like citimtvu
July 2nd, 2009 | #
Its sad that students are having a harder time getting credit. I hope things improve. I used to have the citi-dividend
July 15th, 2009 | #
I agree
July 20th, 2009 | #
I THINK THE DIVIDEND
July 21st, 2009 | #
Sounds ok to me
July 22nd, 2009 | #
Dividends Looks like a good deal to me.
July 23rd, 2009 | #
citi-dividend all the way!
July 23rd, 2009 | #
Citi® sounds the best 4 me
July 23rd, 2009 | #
The Citi Dividend card has my vote!
July 23rd, 2009 | #