• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Free From Broke

A Personal Finance Blog for Regular Folks

  • Home
  • Personal Finance
  • Debt
  • Saving
  • Investing
    • Best Online Brokerages
  • Taxes
  • Credit Scores
You Are Here: Home » Credit Cards » Citi® Dividend World MasterCard® – $300 Cash Back | Review

Citi® Dividend World MasterCard® – $300 Cash Back | Review

Published or updated March 30, 2012 by Glen Craig

Are you looking for a cash back card that can give you up to 5% back on your purchases?  CitiBank has a limited time offer on their Citi Dividend World MasterCard that can earn you $300 cash back in three months as well as 5% on rotating categories.  Let’s review the Citi Dividend World MasterCard and see what else is in store for you when you sign up.

Please note this card offer has ended.

Please see our Credit Card page for other great credit card offers.

Citi® Dividend World MasterCard® – $300 Cash Back

Here’s a summary of what the card offers:
Citi® Dividend World MasterCard® - $300 Cash Back

  • $300 cash back after $5000 in purchases within the first 3 months of account opening
  • 5% cash back on airlines, hotels and car rentals 7/1/11 to 9/30/11. Earn bonus cash back on rotating categories each quarter. Enrollment required.
  • 5% average cash back at select merchants through Citi Bonus Cash Center®
  • Full 1% cash back on eligible purchases and cash advances.
  • No Annual Fee*

Let’s break that out:

– $300 Cash Back.  After you make $5,000 in purchases in your first three months of opening the account, you are eligible for $300 cash back.  This is a 6% return.  That’s not a huge reason to get a credit card but it is a nice incentive if you are looking for a new card.  This is a limited time cash back offer.

– 5% Cash Back.  You can earn 5% cash back rebate on rotating categories that change every quarter.  The rebate appears as “Dividend Dollars” on your statement.  Make sure you enroll to get your 5%.  The current categories are airlines, hotels, and car rentals though 9/30/11.  For the quarter 10/01/11 – 12/31/11 the categories are department, clothing, electronic, and toy store purchases.  That’s easy to take advantage of with the upcoming holiday season approaching.  The amount you can earn per calendar year is capped at 300 Dividend Dollars.

– 5% Average Cash Back at Citi Conus Cash Center.  When you make purchases through Citi’s network of over 400 merchants, both in-store and online, you can earn an average of 5% cash back.  What’s nice here is your cash back is unlimited on these purchases as they don’t count against your calendar year limit for Dividend Dollars.

– 1% Cash Back on Eligible Purchases and Cash Advances.  Outside of the rotating categories, where you can earn 5%, you will earn 1% cash back on all of your eligible purchases, cash advances, and cash convenience check amounts (watch yourself in the cash advances and convenience checks as they have fees that can exceed your cash back.)  Your Dividend Dollars won’t expire so long as your account is kept active with at least one purchase per 12 months.  You can easily meet this with a small recurring bill like Netflix.

– No Annual Fee.  Pretty self-explanatory but it should be noted that more and more cards are carrying an annual fee these days.

On top of the benefits above you also get access to Citi’s online services which include account management, online statements, account activity monitoring, and fast online payments.

In Summary

The Citi Dividend World MasterCard offers up a cash back rewards card that offers up to 5% back on your purchases.  Though this isn’t the strongest cash back card, it does provide some nice benefits and could be a good fit for you if you are looking for a little something back for your purchases.  The $300 limited time cash back bonus is a nice little bump for those who know they will be making $5,000 in purchases the first three months (if your purchases are nothing like $5,000 then don’t bother getting this card for the bonus).

*As you always should, make sure you read through the card details to make sure this card fits your needs and you understand the terms and conditions. Be aware that the terms may change after this article’s publication.

 

Filed Under: Credit Cards, Review Tagged With: credit card review

About Glen Craig

Glen Craig is married and the father to four children that he spends the day chasing as a stay-at-home-dad. He took an interest in personal finance when he realized most of his paycheck was going toward credit card bills. Since then he's eliminated his credit card debt and started on a journey towards financial freedom.

Primary Sidebar

A Little About Me

Glen CraigI'm Glen Craig - I used to live paycheck-to-paycheck, drowning in credit card debt. I turned that all around and now I build wealth rather than debt.

My goal is to make personal finance easy for you.

More ABOUT me.

Join our email list (FREE) and never miss an article!


Free From Broke as seen on

Follow Us

FacebookGoogleTwitterRSS



Follow @freefrombroke

Top Articles

  • Use Google Calendar To Pay Your Bills On Time
  • 9 Things to Do When You Retire
  • Side Hustle-Make Extra Money Cleaning Homes
  • Four Ways You Can Pay Off Your Home Mortgage Faster
  • Don’t Forget Your 401(k) When You Leave Your Job! Here’s What You Can Do With It
  • Your 4 Step Guide on How to Stop Living Paycheck to Paycheck
  • What Is A Mortgage Escrow Account?
  • This is Why Your House Isn’t Selling – Here’s How to Finally Get Your House Sold
  • 7 Ways to Get Rich Quick
  • What is Renter’s Insurance and Why You Need It
  • What Is a Probate Lawyer and When Would You Use One?

Recent Articles

  • Money Market Account VS Savings Account – What’s the Difference?
  • Five Ways Fantasy Baseball is Like Personal Finance
  • Tools to Help Organize Your Taxes
  • Don't Let Your Goals Fizzle Out! - 5 Reasons Goals Fail, and What You Can Do To Make Yours Succeed
  • What Do You Think of New Year's Resolutions?

Tools to Improve Your Finances

  • Online High Yield Savings
  • All About Online Checking Accounts – Why Pay More Fees Than You Have To
  • Personal Capital Review - A One Stop Financial Center
  • Online Brokerages That Won't Break Your Bank
  • Credit Karma Review - Get Your Credit Score and More
  • CD Rates
  • Savings Rates
  • Mortgage and Refinance Rates
TurboTax Review HR Block Review Shoeboxed Review

Follow Us On Pinterest!

Follow Free From Broke's board Most RePinned and Popular {Free From Broke} on Pinterest.

Footer

More

  • About
  • Archives
  • Contact Us
  • Get Our Newsletter

More Recent Articles

  • Think Long Term When Shopping Black Friday and Cyber Monday
  • 10 Essential Tips For Shopping Black Friday And Cyber Monday That Will Save You Money
  • How to Improve Your Credit Score Fast
  • What is a Refund Anticipation Loan (RAL) and is it Worth It?
  • Paying Taxes with a Credit Card: Pros and Cons

Disclaimer

Free From Broke is for general information or entertainment purposes only and does not constitute professional financial advice. Be smart and do your own research or contact an independent financial professional for advice regarding your specific situation.

In accordance with FTC guidelines, we state that we have a financial relationship with companies mentioned in this website. This may include receiving access to free products and services for product and service reviews and giveaways.

© 2007–2025 Free From Broke A Personal Finance Blog For Regular Folks – All rights reserved.

No content on this site may be reused in any fashion without written permission from FreeFromBroke.com | Privacy Policy | Sitemap

Copyright © 2025 · Metro Pro on Genesis Framework · WordPress · Log in

We are using cookies to give you the best experience on our website.

You can find out more about which cookies we are using or switch them off in settings.

Go to mobile version
Powered by  GDPR Cookie Compliance
Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.

Strictly Necessary Cookies

Strictly Necessary Cookie should be enabled at all times so that we can save your preferences for cookie settings.

If you disable this cookie, we will not be able to save your preferences. This means that every time you visit this website you will need to enable or disable cookies again.