https://ficoforums.myfico.com/t5/Credit-Cards/PC-Citi-TYP-to-Dividend/m-p/3167298#M887628 Has anyone been able to PC a Citi Thank you Premier card to Citi Dividend? What have been peoples' experiences with the Dividend card in comparison to Freedom and Discover? I already have both of those, as well as Sallie Mae (thanks to my SO). I find that I hit the caps on the 5% most quarters, which is why the Dividend sounds attractive. Thu, 12 Jun 2014 08:08:25 GMT MACFRME 2014-06-12T08:08:25Z https://ficoforums.myfico.com/t5/Credit-Cards/PC-Citi-TYP-to-Dividend/m-p/3167298#M887628 Has anyone been able to PC a Citi Thank you Premier card to Citi Dividend? What have been peoples' experiences with the Dividend card in comparison to Freedom and Discover? I already have both of those, as well as Sallie Mae (thanks to my SO). I find that I hit the caps on the 5% most quarters, which is why the Dividend sounds attractive. Thu, 12 Jun 2014 08:08:25 GMT https://ficoforums.myfico.com/t5/Credit-Cards/PC-Citi-TYP-to-Dividend/m-p/3167298#M887628 MACFRME 2014-06-12T08:08:25Z https://ficoforums.myfico.com/t5/Credit-Cards/PC-Citi-TYP-to-Dividend/m-p/3167300#M887629 <P>Yes, I did. &nbsp; The conversion won't happen till June 20th (I asked on May 1). &nbsp; The dividend seems a pretty useless card (cash back INCLUDING 1% spend is capped at $300 a year, whereas this is the cap for just the 5% on Freedom and IT) but I just wanted to keep the CL and Citi wouldn't transfer at the time I asked. &nbsp;I am getting double points for 12 months, but with the same cap, that's not very useful.</P><P>&nbsp;</P><P>One advantage is that you can spend it all in one go, so you can spend $6K at a drug store in the right quarter and get the $300 back.</P> Thu, 12 Jun 2014 08:22:53 GMT https://ficoforums.myfico.com/t5/Credit-Cards/PC-Citi-TYP-to-Dividend/m-p/3167300#M887629 Anonymous 2014-06-12T08:22:53Z