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Offers for the American Airlines AAdvantage® MileUp® Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Citi Custom Cash® Card, Citi Rewards+® Card and Costco Anywhere Visa® Card by Citi 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 major U.S. banks offer a cash-back incentive program. These programs allow members to enroll a card in an offer for a specific merchant and then receive a rebate in the form of cash or points when using that 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 cashback bonus when you make a purchase. Not all cards are eligible to receive the offers, but if you have an eligible card, it's worth your while to review what is available to you.
Citi Merchant Offers have historically been restricted to credit cards. However, Citi has recently expanded its offers to include both debit cards and credit cards.
Here's everything you need to know about Citi Merchant Offers.
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Citi Merchant Offers Key Points
- Citi credit and debit card holders must enroll in Citi Merchant Offers.
- Offers must be activated before use.
- You must use the linked Citi card to pay for your purchase to trigger the offer.
- Offers include both in-store and online deals, so make sure to double-check the offer details.
- You can 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 switch between cards, since offers may vary between each one. As you scroll down the page, you'll see each of the available offers. You can also sort and filter the offers by categories.
You can click on any offer that interests you. From here, a window will pop up with the specific details of the offer, including how to redeem it, the required card for the offer, the cash-back bonus amount, and the terms and expiration date of the offer.
Choose “Enroll in Offer” to add the offer to your card.
You can find some great deals, like the above JetBlue offer for $50 back on a purchase of $200 or more.
Related: Current Citi Merchant Offers
Citi Merchant Offers Eligibility
Not all cardmembers are eligible for Citi Merchant Offers. Additionally, if a user is eligible, offers may not be available on all of the user'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, health and wellness, dining and entertainment, shopping, and other. Overall, my Citi Rewards+® Card shows over 200 offers, with most of them falling into the shopping category.
Here are some examples of the offers that you may find:
- Travel: 10% back on Lyft, $25 back on Turo, $50 back at JetBlue
- Dining and entertainment: 10% back at Sea World, 15% back at Chipotle, 10% back at Olive Garden
- Shopping: 18% back at Flowers.com, $3 back on Kindle, 2.5% back at Vans
- Other: $50 back at AT&T, $50 back at Trust & Will
Please note that these are targeted offers, so what you see available in your account may vary. Additionally, offers change on a regular basis.
Citi Cards
Most Citi credit cards are eligible for Citi Merchant Offers. These include:
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- Citi Double Cash® Card (Rates & Fees)
- Citi Strata℠ Card (Rates & Fees)
- Citi Strata Premier® Card (Rates & Fees)
- Citi Strata Elite℠ Card (Rates & Fees)
- Citi Custom Cash® Card
- American Airlines AAdvantage® MileUp® Card
- 12X – Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
- 6X – Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.
- 6X – Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.
- 1.5X – Earn 1.5 Points per $1 spent on All Other Purchases.
- 10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com
- 3X – Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases
- 3X – Earn 3 Points per $1 spent on Restaurants
- 3X – Earn 3 Points per $1 spent on Supermarkets
- 3X – Earn 3 Points per $1 spent on Gas and EV Charging Stations
- 1X – Earn 1 Point per $1 spent on All Other Purchases
- 5X – Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel℠ via cititravel.com
- 3X – Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- 3X – Earn 3 ThankYou® Points per $1 spent at Supermarkets
- 3X – Earn 3 ThankYou® Points per $1 spent on Select Transit purchases
- 3X – Earn 3 ThankYou® Points per $1 spent at Gas and EV Charging Stations
- 2X – Earn 2 ThankYou® Points per $1 spent at Restaurants
- 1X – Earn 1 ThankYou® Point per $1 spent on All Other Purchases
Furthermore, Citi recently announced that Merchant Offers would be available to both debit cardholders and credit cardholders.
Citi does not publish a list of eligible cards, so it's worth checking your accounts to see which cards may be eligible for the offers. Eligible cards may also 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 also be stackable with the various shopping portals. This allows you to double-dip your rewards by earning cash or points back through both your credit or debit card offers and the shopping portal. This system is colloquially known as stacking, and it's a simple way to maximize the value of each of your purchases.
To do this, go to cashbackmonitor.com and type in the store you want to purchase from. This allows you to 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.
It's worth noting that some AwardWallet users report being unable 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. Although it requires an extra step to add the offer to your card, taking advantage of Citi Merchant Offers is a simple way to make sure you receive a little kickback from your purchases.
For rates and fees of the cards mentioned in this post, please visit the following links: Citi Double Cash® Card (Rates & Fees), Citi Strata℠ Card (Rates & Fees), Citi Strata Premier® Card (Rates & Fees), and Citi Strata Elite℠ Card (Rates & Fees)
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