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The Citi® Dividend Card is one of Citi‘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 up to three 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 cash-back earnings to $300 per year. That means you can use it all in one quarter if a bonus category is especially useful for you. 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.
The card isn't currently open to new applicants, and it's not possible to product change to this card from other Citi credit cards. For those who do have this product, though, be sure to take advantage of this quarter's bonus categories.
Enrollment for the Citi Dividend 2023 Q4 categories is now open. You'll need to activate the offer first before using it. You can do so by visiting this link.
Citi Dividend 5% Cash Back Key Terms
- Registration begins September 17, 2023.
- Make sure to activate your bonus within your online account.
- Earn 5% cash back on eligible purchases at qualifying merchants, up to a maximum of $300 per year.
- Purchases that post to your account between October 1 and December 31, 2023 are eligible for the current bonus categories.
For the fourth quarter of 2023, there's just one bonus category:
- Grocery stores
This was a category back in Q2, running from April to June. It's interesting to see Citi running a repeat category within the same year.
And if you're registered, you still can earn bonus cash back on the second quarter 2023 bonus categories through September 30, 2023:
- Gas stations
- Home improvement stores
If you're among the lucky people 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 2023?
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