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Offers for the Citi® Dividend Card and Chase Freedom Flex℠ are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
The Citi® Dividend Card is one of Citi‘s cash-back credit cards. It's 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 opened on September 15 for purchases from October 1 through December 31, 2025. Here's how to enroll and get the most out of this unique card benefit.
Page Contents
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.
- Q4 registration opened on September 15, 2025, for eligible purchases made from October 1 to December 31, 2025.
- 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.
It's worth emphasizing that: 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 Fourth Quarter
Registration for the Citi Dividend‘s fourth quarter categories opened on September 15, 2025, for eligible purchases made from October 1 through December 31, 2025. Next quarter, enrolled cardholders can earn 5% cash back at Citi Travel® and restaurants.
Here are the terms of each category:
- Citi Travel®: Excludes air travel purchases. Eligible transactions include hotel, car rental, and attractions only and must be booked with Citi Travel via cititravel.com or by calling 1-833-737-1288 (TTY:711). Citi Travel is powered by Rocket Travel by Agoda.
- Restaurants: Includes purchases at cafes, bars, lounges and fast-food restaurants. Excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs) and third-party dining delivery services.
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 | July – September • Gas stations • Home improvement stores | October – December • Restaurants • Citi Travel |
| 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:
- Wells Fargo Active Cash® Card (Rates & Fees): The Active Cash Card is a fantastic card that can put a lot of cash rewards into your wallet. It earns an unlimited 2% cash rewards on purchases, so there's no need to worry about annual or quarterly caps on the rewards you can earn. Learn more in our full review of the Active Cash Card.
- Chase Freedom Flex℠: The Freedom Flex is a 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.
- Citi Double Cash® Card (Rates & Fees): The Citi Double Cash doesn't have quarterly rotating categories and earns rewards as ThankYou® Points. But 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.
Rates & Fees
- Earn unlimited 2% cash rewards on purchases
- 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
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
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.
For rates and fees of the cards mentioned in this post, please visit the following links: Citi Double Cash® Card (Rates & Fees)
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.
great thank you
Have the Citi dividend card for more than 15 years and only keep it bc the credit line (more than $19K) and rate even dough it has been increased from 5.49% to 10.49% (still a good rate).
Signed up for the 5% cash back offer and spent more than $5K at Home Depot and Floor n Decor stores (they sell only floors and tile products) I only got back the equivalent of 1% of the total spent. Called to make a claim and was told that Home Depot and Floor n Decor are not categorized in the merchant payment system as a “Home Improvement” store so purchases done there wouldn’t qualify for this promotion. Home Depot uses merchant code 5200 which is defined as a “Home Supply Warehouse” and Floor n decor uses a code defined as for carpets and rug stores. Citi stated that they can’t control the merchant codes used or assigned by Mastercard to businesses however I believe that Citi does have the power to decide what merchants codes can participate in their quarterly promotions as when they decided to exclude the codes used by these two businesses.
I can’t understand why the biggest home improvement store in the US and a store that sells floors, tile, and related merchandise wouldn’t be qualified as a home improvement store. Seems like this was done on purpose to avoid paying a high amount of cash back rewards to cardholders since if you think about, every day thousands of Citi cards are used to make purchases at these two stores for millions of dollars.
I’ve had the Citi Dividend Card for years. And, although it was useful in the past because you could earn the entire max reward of $300 in one quarter, it’s now become a giant scam by Citibank. Yes, a TOTAL SCAM. Here’s the deal. As reported by Toni on 6.23.22, the dividend categories for the 2nd Qtr. of 2022 were Drug Stores and Grocery Stores. Which I signed up for and spent nearly $1,500 during the 2nd Qtr. and got…absolutely ZERO extra rewards (above the base 1% paid). I’ve spoken to two U.S. based supervisors for Citicards and they both insist the quarterly offer for Drug Stores and Grocery Stores never existed…that nothing was offered for the 2nd Qtr.! I even asked one supervisor to check out this site so she could see for herself I wasn’t dreaming this stuff up. Btw, I asked if they had a separate department that determines which quarterly offers are made for this card and other Citicards with quarterly offers but they said none exists. Basically, I’m owed about $65 in rewards but Katie, the 2nd supervisor I talked to, said she would submit a claim because it was over the limit she could approve. I was curious what the max adjustment she could make. It was $10! How pathetic is that. They don’t trust supervisors to settle customer disputes above $10! Bottom line, don’t do business with Citibank because if you have problem with them on any level, they will stick it to you. Go with Discover! They have only U.S. based representatives who can settle issues on the spot. I have a $45K limit on my Disco card and formerly used it to pay property taxes. Once, the payment I sent (years ago by snail mail) arrived 1 day late and generated almost $2K in interest and late charges which they agreed to waive up to…100%!!
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.