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The Citi® Dividend Card is one of Citibank's cash back cards. It is similar to cards like the Chase Freedom Flex℠ in that it has rotating quarterly bonus categories.
Each quarter, Citi announces a handful of categories where you can earn 5% cash back on its Citi Dividend card. Unlike the Freedom Flex—where earnings are capped at $75 per quarter—the Citi Dividend card limits cashback earnings to $300 per year. So, you can use it all in one quarter if you want. However, once you have accumulated $300 in cash back — no matter how you earn it — you're done earning for the year.
The card isn't currently open to new applicants. Depending on the card you hold, it's also possible you can't downgrade an existing Citi card to the Citi Dividend card. For those who do have this product, though, be sure to take advantage of this year's bonus categories.
Enrollment for the Citi Dividend 2022 Q3 categories was supposed to open on June 15, 2022 — but it actually just opened today, June 23, 2022. You'll need to activate the offer first before using it. You can do so by visiting this link.
Related Content: Credit Cards Featuring Rotating Quarterly Bonus Categories
Citi Dividend 5% Cash Back Key Terms
- Registration begins June
1523, 2022. - Make sure to activate your bonus within your online account.
- Earn 5% cash back on up to $6,000 in purchases at qualifying merchants per year.
- Purchases that post to your account between July 1, 2022 and September 30, 2022 are eligible for the bonus.
For the third quarter of 2022, the bonus categories are:
- Gas stations
- Home improvement stores
If you're registered, you can still earn bonus cashback on the second quarter 2022 bonus categories through June 30, 2022:
- Drugstores
- Grocery stores
Our Take
If you happen to be one of the lucky ones still holding a Citi Dividend card, then activating the latest bonus is a great idea. Many people may be able to easily max out the entire year's allowance at grocery stores alone.
How will you be using your Citi Dividend 5% cash back bonus in 2022?
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With a $300 cap, I can see why this isn’t a card that most covet. I’d love a solid 3% card.. enough 2%’s around, but 3% would be ideal.
I have one. AOD FCU. 😉
Though it doesn’t get much use, I still keep my Dividend card, primarily for instances where I have a $1500+ purchase in one of the eligible categories.