AwardWallet receives compensation from advertising partners for links on the blog. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers.
Offers for the Citi Rewards+® Card 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 of the major U.S. banks have a cash-back incentive program. These programs allow cardholders to enroll their credit card in an offer for a specific merchant and then receive a rebate in the form of cash or points when using the 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 available to receive the offers, but if you have been targeted, it could be worth your while to take a look at what is available to you.
Here's everything you should 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.
- 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 change between cards, since offers may differ between each one. As you scroll down the page, you'll see each of the available offers. You also can sort and filter 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, what card must be used, the cash-back bonus amount, terms, and when the offer expires. 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, health and wellness, and other. Overall, my Citi Rewards+® Card shows nearly 200 offers, with most of them falling into the shopping category.
Here are some examples of the offers that you may find:
- Travel: 5% back on Lyft, $25 back on Turo, 10% back at Circle K
- Dining and entertainment: 10% back at Jack in the Box, 15% back on ESPN+, 20% back on Fubo
- Shopping: 3% back at Amazon, $5 back on Kindle, 4% back on eBay
- Health and wellness: 2% at Walgreens, $20 back at PureBarre, $50 back at Trifecta
- Other: $40 back at AT&T, 20% back at Ancestry, 20% on Norton
Remember that these are targeted offers, so what you see in your account may be different. Additionally, offers change on a regular basis.
Citi Cards
There are a variety of Citi cards that should be eligible for Citi Merchant Offers. These include:
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- Citi Double Cash® Card
- Citi Strata Premier℠ Card
- Citi Rewards+® Card
- Citi Custom Cash® Card
- American Airlines AAdvantage® MileUp® Card
Citi does not publish a list of eligible cards, so it's worth checking your accounts to see which cards may show the offers. Eligible cards may 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 be stackable with the various shopping portals available. This should allow you to double-dip your rewards by earning in more than one spot at the same time.
To do this, head to cashbackmonitor.com and type in the store you want to purchase from. You can 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.
However, some AwardWallet users report no longer being able 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. Even though it takes the extra step of adding the offer to your card, taking advantage of Citi Merchant Offers is a way to make sure you get a little kickback from your purchases.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
