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Those of you with a good credit score looking for a credit card that offers a cash reward program should take a look at the Citi Dividend Platinum Select Card, issued by Citibank.

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Through Citibank's Dividend Reward program, cardholders can earn 5% cash from purchases at the supermarket, and even drugstores - the essential purchases of modern living. Furthermore they can earn 1% cash rebate on all other purchases, as well as cash advances and balance transfers. The Dividend Dollars do not expire.

Bad credit ok is what most payday loan lenders say because they realize that some people get stuck in a credit card mess. Having bad credit ok does not mean that you will not pay back any loans or monies. Some car lots say bad credit ok, no credit ok, but the problem is that they do check out your credit with a credit check. Credit cards offer cash advances also but their fees are astronomical and you can be sure that this can give you bad credit in the future and this is not bad credit ok. Mypaydayloan accepts bad credit ok people and approved them with a secure bad credit ok payday loan online. Some credit card companies offer credit cards to people with bad credit, their phrase is “bad credit ok credit cards.” These credit card companies offer bad credit ok to anyone with a high price or interest rate.

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But that is not all. Via the Citi Dividend Merchant Network, cardholders can earn an average of 5% cash back. Of course there is a limit to the amount of cash back that can be earned in a year, set at $300. However the amount of cash back that can be earned via the Citi Dividend Merchant Network is unlimited. When the amount of Dividend Dollars earned reaches $50, a check will be issued. That's much more enticing than redeemable goods!

Where can contactless credit cards be used Currently, Visa Contactless, American ExpressPay, and MasterCard PayPass are available at select retailers in certain locations in the United States, Eleven, McDonald's, KFC, Arby's, Walgreens, Sony Style, Wawa, Sheetz, CVS Pharmacy, and a variety of movie theaters. Retailers capable of handing contactless credit card transactions will have a special symbol on their credit card reader located at the checkout stand. RFID credit cards can also be used at any location that accepts ordinary credit cards, since the new contactless cards will still have a regular magnetic stripe on the back.

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The downside to the Citi Dividend Card is that the interest rates are somewhat above average. Then there's the minimum cap of 19.99% for cash advances, so even if the Prime Rate drops you'd still have to pay a hefty interest rate for the loan. However the 12-month introductory rate of 0% plus the lack of any annual fees does give the card some of the lost sparkle back. The platinum cardholder benefits also make the rates forgivable, with benefits including $1,000,000 in travel accident insurance, among others.

What are the disadvantages of contactless credit cards Some opponents to contactless credit cards have contended that there are security risks with using these RFID credit cards, as the radio transmission could potentially get intercepted by a criminal with malicious intentions. The good news, however, is that the actual credit card number is not transmitted via radio wave. Rather, it is a unique encrypted code only good for RFID transactions. Also, just like ordinary cards, cardholders are not liable for any fraudulent charges.

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Overall the Citi Dividend Card is a decent cash back credit card without any serious flaws, except that minimum interest cap for cash advances. Those who spend $5,000 a year on general purchases or $1,000 from participating merchants (to earn the minimum cash back) and plan to carry no balance after the intro period will benefit from this card the most.

Do you have bad credit Compare loans, credit cards and mortgages designed for people with a poor (adverse) credit rating...

Student Credit Cards For more information or to apply for the Citi Dividend Card, Eric Wasselman recommends Find Credit Cards.

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