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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  • 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.