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Offers for the American Airlines AAdvantage® MileUp® Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Citi Custom Cash® Card, Citi Rewards+® Card and Costco Anywhere Visa® Card by Citi are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
Eligibility is limited for the Amex Offers discussed in this post. Enrollment is required in the Amex Offers section of your account before redeeming.
Most major U.S. banks offer a cash-back incentive program. These programs allow members to enroll a card in an offer for a specific merchant and then receive a rebate in the form of cash or points when using that card for eligible purchases.
Citi Merchant Offers are similar to both Amex Offers and Chase Offers in that you can add the offers you're interested in and then receive a kickback when you make a purchase. Not all cards are eligible to receive the offers, but if you have been targeted, it may be worth your while to review what is available to you. To make this even more enticing, Citi has recently expanded its offers to include both debit cards and credit cards.
Here's everything you need to know about Citi Merchant Offers.
Page Contents
Citi Merchant Offers Key Points
- Targeted members can enroll in Citi Merchant Offers.
- Offers must be activated before use.
- You must use the linked Citi card as payment to receive the offer.
- Offers include both in-store and online deals, so make sure to double-check the offer details.
- You can double-dip your Citi Merchant Offers with shopping portals.
How To Access Citi Merchant Offers
Here are the steps to find Citi Merchant Offers and see if you have any available options for your card.
First, log in to your Citi account. At the top, select “Rewards & Offers” and then “Explore All Products & Offers.”
Next, click on Merchant Offers. At the top of this page, you'll see your card or cards listed. You can switch between cards, since offers may vary between each one. As you scroll down the page, you'll see each of the available offers. You can also sort and filter the offers by categories.
If you see an offer that interests you, select “See Details.” From here, a window will pop up with the specific details of the offer, including how to redeem it, the required card for the offer, the cash-back bonus amount, and the terms and expiration date of the offer.
Choose “Enroll in Offer” to add the offer to your card.
Related: Current Citi Merchant Offers
Eligibility for Citi Merchant Offers
Not all cardmembers are eligible for Citi Merchant Offers. Additionally, if a user is eligible, offers may not be available on all of the individual's cards. To check whether you are eligible and which card(s) can be enrolled, you can go directly to the offers page by clicking here and logging into your Citi account.
Related: Build a Winning Combo of Citi Rewards Credit Cards
Types of Citi Merchant Offers
Citi Merchant Offers are broken into five categories: travel, dining and entertainment, shopping, and other. Overall, my Citi Rewards+® Card shows over 200 offers, with most of them falling into the shopping category.
Here are some examples of the offers that you may find:
- Travel: 10% back on Lyft, $25 back on Turo, $50 back at JetBlue
- Dining and entertainment: 10% back at Sea World, 15% back at Chipotle, 10% back at Olive Garden
- Shopping: 18% back at Flowers.com, $3 back on Kindle, 2.5% back at Vans
- Other: $50 back at AT&T, $50 back at Trust & Will
Please note that these are targeted offers, so what you see available in your account may vary. Additionally, offers change on a regular basis.
Citi Cards
There are various Citi credit cards that are eligible for Citi Merchant Offers. These include:
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- Citi Double Cash® Card (Rates & Fees)
- Citi Strata Premier® Card (Rates & Fees)
- Citi Rewards+® Card
- Citi Custom Cash® Card
- American Airlines AAdvantage® MileUp® Card
Furthermore, Citi recently announced that Merchant Offers would be available to both debit cardholders and credit cardholders.
Citi does not publish a list of eligible cards, so it's worth checking your accounts to see which cards may be eligible for the offers. Eligible cards may also change over time.
Unfortunately, Citi's small business credit cards aren't eligible for Citi Merchant Offers.
Related: Citi Credit Card Offer History: Best-Ever Offers and When You Should Apply
Stacking Citi Merchant Offers
Citi Merchant Offers should also be stackable with the various shopping portals. This allows you to double-dip your rewards by earning cash or points back through both your credit or debit card offers and the shopping portal. This system is colloquially known as stacking, and it's a simple way to maximize the value of each of your purchases.
To do this, go to cashbackmonitor.com and type in the store you want to purchase from. This allows you to compare shopping portals there to see which is offering the best rate. After that, shop through the selected portal at the store you've added to your Citi Merchant Offers, then be sure to use the eligible card to pay. You should end up with cash and/or points back from the selected portal and from the Merchant Offer.
It's worth noting that some AwardWallet users report being unable to stack Citi Merchant Offers with SimplyMiles. If you want to earn American miles and Loyalty Points through SimplyMiles, you'll likely want to skip enrolling in overlapping Citi Merchant Offers.
Final Thoughts
Maximizing everyday spending is a great way to boost your cash or points balance. Although it requires an extra step to add the offer to your card, taking advantage of Citi Merchant Offers is a simple way to make sure you receive a little kickback from your purchases.
For rates and fees of the cards mentioned in this post, please visit the following links: Citi Double Cash® Card (Rates & Fees), and Citi Strata Premier® Card (Rates & Fees)
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