The Citi Dividend Card, issued by Citibank, is a solid choice in the market.

Citi Dividend Card Payoff Analysis

Citi Dividend Card Payoff Analysis

This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.

Time to Pay Off
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Rewards Earned --
Interest Paid --
Interest Earned ? Interest earned by keeping your cash in a yield-bearing account during the grace period.

Formula: Balance × (APY / 365) × Days. --
TOTAL DEBT SERVICE --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.

Snapshot

Citi Dividend Card
Citi Dividend Card
IssuerCitibank
NetworkMastercard
Card MaterialPlastic
Annual Fee$0.00
Base Rate1.00%
Travel Rewards0.00x
Authorized User Fee$0.00
Foreign Transaction Fee3%
Credit ReportingEx, Eq, Tu
Product LifecycleGrandfathered
Minimum Credit Line$500

Welcome Offer

BonusCash
Spend Requirement$0
Timeline0 days
Efficiency Score0.00 pts/$1
Cash Back Value—
Portal Travel Value—
Transfer Estimated Value—

Rewards Breakdown

Base Rate1.00%
Quarterly Rotating5.0%
Anniversary BonusNone
Portal Boost1x

Pricing Details

Purchase APR17.74% - 25.74%
Cash Advance Fee5%
Balance Transfer Fee5%
Late Payment FeeUp to $41
Minimum Interest Charge$0.50
Grace Period23 days
Penalty APR28.24%

Official Resources

Benefits & Partners

Transfer PartnersNone
Annual CreditsNone
Partnership BenefitsNone

Usability & Experience

Digital Walletsapple-pay, google-pay, samsung-pay
Customer ServiceUnverified
Instant UseNo

Strategy & Eligibility

Min. Credit Score670+
Recommended RangeGood-Excellent
Chase 5/24 RuleNo
Lifetime RestrictionNone
Active Family RestrictionNo
Closure Grace PeriodNone

Comparisons

See how the Citi Dividend Card compares to other cards.

Terms, pricing, and rewards for this card were last verified as of 2026-07-14. While we strive for accuracy, card issuers may change terms at any time. Always verify details on the issuer's official website before applying.