The Citi Dividend World MasterCard sounds very much like Citi’s popular cash back credit card but there is a fundamental difference that may warrant second-guessing this card.

Update: The Citi Dividend World MasterCard has expired. It has been replaced with the Citi Dividend Platinum Select Visa card.

Scour the list of credit cards available and you’ll see that the Citi Dividend World MasterCard has replaced the Citi Dividend Platinum Select card, a distinguished cash back credit card.

In the eyes of some cardholders, this card has a flaw that makes it much less attractive from its previous version.

Citi Dividend World MasterCard Details

Sporting the World MasterCard logo, the Citi Dividend World MasterCard has no pre-set spending credit limit. As an introductory offer, get $100 cash back when you spend $500 in the first 3 months of account opening.

  • 0% Intro APR on balance transfers and purchases for 15 months
  • Variable APR of 12.99%-20.99% after introductory period
  • Earn 5% cash back on quarterly rotating categories (enrollment required)
  • Earn 1% cash back on all other purchases
  • No annual fee

Cardmembers can earn a maximum of $300 cash back per calendar year. Cash back balances do not expire if there is purchase activity at least once every 12 months.

Card Analysis

From a quick overview of the card’s terms, the Citi Dividend World MasterCard offers almost the exact same features as the well-acclaimed Citi Dividend Platinum Select Card. For cash back credit card users, it remains a great card.

The 15-month 0% introductory offer on both balance transfers and purchases with a $100 cash back bonus is very attractive. The quarterly categories can include popular purchases for travel, groceries, and home improvement.

The Citi Dividend World MasterCard belongs to the initial line of Citi cards that is compatible with Google Wallet, which lets cardholders pay through an NFC-enable Android smartphone.

Because the card sports the World MasterCard logo, the card has no pre-set spending limit. This poses a problem when credit limits are reported to credit bureaus. Citi may report the credit limit as the highest current balance, which suggests a 100% credit utilization. It does not bode well for the credit score calculation.

But, if you love cash back and the credit score reporting method isn’t a problem, consider applying for the Citi Dividend World MasterCard.

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Simon Zhen

Simon is a research analyst for MyBankTracker. He is an expert on consumer banking products, bank innovations and financial technology.
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  • John_doe_197579

    As of April 2011 Citibank now reports the revolving credit line on all of their Visa Signature and World MasterCard accounts. This has been confirmed on several websites.