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The Citi® Dividend Card is one of Citi‘s cash-back credit cards. It is similar to cards like the Chase Freedom Flex℠ with its rotating quarterly bonus categories. Each quarter, Citi announces up to three Citi Dividend categories where you can earn 5% cash back when you use your card.
Enrollment for the Citi Dividend 2025 second quarter categories is now open. Here's what you need to know about the current categories and how to enroll.
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Citi Dividend Card 5% Cash Back Key Terms
Like other cards with rotating quarterly bonus categories, the terms are simple: Activate the offer, use your card on eligible purchases within the quarter, and enjoy the rewards. The Citi Dividend Card is no different.
- Q2 registration should have opened on March 15, 2025 (but actually opened on March 20), for eligible purchases made from April 1 to June 30, 2025.
- Q1 registration opened on December 15, 2024, for purchases from January 1 to March 31, 2025. Registration for Q1 closes on March 31, 2025. But, you'll want to enroll ASAP if you haven't already.
- Activate your bonus within your online account via this link.
- Earn 5% cash back on eligible purchases at qualifying merchants, up to a maximum of $300 per year.
That's right. Unlike the Freedom Flex — where earnings are capped at $75 per quarter — the Citi Dividend Card limits cash-back earnings to $300 per year. That means you can use it all in one quarter if you find a bonus category especially useful. However, once you have accumulated $300 in cash back — no matter how you earn it — you're done earning bonus cash back for the year.
Can I get the Citi Dividend card?
The Citi Dividend Card isn't currently open to new applicants, and it's not possible to product change your Citi card to this card. For those who have this card already, be sure to take advantage of these bonus categories — and make sure not to close or lose your account if you value carrying this card.
Citi Dividend Categories 2025 Second Quarter
From April 1 to June 30, enrolled Citi Dividend cardholders will earn 5% cash back on eligible Citi Travel purchases and at grocery stores.
Here are the terms of each category:
- Citi Travel: Eligible purchases include hotels, car rentals, and attractions booked through the Citi Travel site. Excludes air travel purchases.
- Grocery Stores: Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not use supermarket merchant category code.
Citi Dividend Categories 2025 First Quarter
Until the end of the first quarter — which ends March 31 — enrolled cardholders can earn 5% back on two bonus categories: Amazon.com and select streaming services.
Here are the terms of each category:
- Amazon: Your Amazon purchases must post to your account through 3/31/2025. Many merchants will wait for a purchase to ship before they post the purchase to your account. Returned items and items bought using Amazon Pay at participating merchant websites do not qualify as eligible purchases. Amazon is not a sponsor of this promotion.
- Select Streaming Services includes the following streaming providers: Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirecTV Stream, ESPN+, fuboTV, Max, NBA League Pass, Netflix, Pandora, Paramount+, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.
Citi Dividend Card 5% Cash Back History
One of the most observable trends throughout the Citi Dividend Card‘s cash back history is that many categories repeat. With rare exceptions, Citi has offered identical categories each quarter for the past several years. In other words, you should be able to plan ahead for your card purchases and ensure you max out the $300 cash back annually.
In the table below, you'll find each quarter's offerings dating back to 2021:
| Year | First Quarter | Second Quarter | Third Quarter | Fourth Quarter |
|---|---|---|---|---|
| 2025 | January – March • Amazon • Select streaming services | April – June • Citi Travel • Grocery stores | TBD | TBD |
| 2024 | January – March • Amazon • Select streaming services | April – June • Drug stores • Grocery stores | July – September • Gas stations | October – December • Restaurants • Citi Travel |
| 2023 | January – March • Amazon • Select streaming services | April – June • Drug stores • Grocery stores | July – September • Gas stations • Home improvement stores | October – December • Grocery stores |
| 2022 | January – March • Amazon • Select streaming services | April – June • Drug stores • Grocery stores | July – September • Gas stations • Home improvement stores | October – December • Restaurants • Select travel |
| 2021 | January – March • Amazon • Select streaming services | April – June • Drug stores • Grocery stores | July – September • Gas stations • Home improvement stores | October – December • Restaurants • Best Buy |
Alternatives to the Citi Dividend Card
If the Citi Dividend Card has piqued your interest, you might be disappointed to find it isn't open to new applicants, nor can you product change to it. Thankfully, there's a handful of other credit cards that earn a handsome amount of cash back on every or nearly every purchase.
Here's a look at three of our favorite cards for earning cash back with no annual fee:
- Citi Rewards+® Card: For the unfamiliar, the Citi Rewards+ is more than a cash-back card. It earns rewards denominated in ThankYou® Points, which can be redeemed for gift cards, travel, and more. The earning structure is basic, awarding only 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. However, the card's best feature is its 10% rebate on the first 100,000 points you redeem annually. Our Citi Rewards+ review can tell you more.
- Citi Double Cash® Card: Like the card above, the Citi Double Cash doesn't have quarterly rotating categories and earns rewards as ThankYou® Points. However, it's still a potent cash-back card. As a cardholder, you will earn 2% on every purchase with unlimited 1% when you buy plus 1% as you pay. Learn more in our Citi Double Cash review.
- Chase Freedom Flex℠: The Freedom Flex is another formidable cash-back card, offering 5% on rotating bonus categories (up to $1,500 per quarter), 5% on travel purchased through Chase, 3% on dining at restaurants and drugstore purchases and 1% on other eligible purchases. If you max out your annual cash back in the quarterly categories, you'll put $300 back in your wallet every year. To learn more about this nifty product, dive into our Freedom Flex review.
- 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1X Points thereafter
- 1X points on all other purchases
- Automatically rounds up to the nearest 10 points on every purchase - with no cap
- Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- Earn 5% on travel purchased through Chase Ultimate Rewards
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1% on all other purchases
Related: The Best Cash-Back Credit Card Offers for Every Budget
Our Take
If you're among the lucky people still holding a Citi Dividend Card, activating the latest bonus and others when they come around is in your best interests. But given how useful the card's rotating categories are every quarter, it's entirely possible to max out your cash-back earnings in one three-month period.
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