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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.
Page Contents
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)
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 article. Is there any way to get alerted to new offers? I just saw that there was one for a retailer that I love but the offered ended before I could get it.
Not that we’re aware of. And there are just so many offers now that it’s hard to find ones you’re interested in!
I used the Blue Apron offer in March and the Uber Eats offer in April, and neither have posted. I called Citi and a couple reps knew nothing about the Merchant Offers program. That was on a weekend, so I called back on a weekday and got a rep who also didn’t know about the program, but found someone who did. They opened an investigation and I’m supposed to hear something in 2 weeks. As I told them, having the credits not post incentivizes me not to use Citi cards.
Ugh! That’s really frustrating for something that should just happen automatically when the charge hits your account.
Great article, thanks. Somehow there is no mention of this when you log into the regular Citi website to check your accounts. Neither there any way to add these from the mobile app. I only found it via the link in this article.
I have 4 cards with Citi – two grandfathered (Citi Dividend and Citi ThankYou) and also the Citi Double Cash and Custom Cash. The first three all show me merchant offers, and they are quite mixed in value. What I observe is that the % cashback ones are very lackluster, but there are a few very generous ones – 4x times getting $10 off on Uber and 3x times getting $10 off on $25 spend on Uber Eats. That’s a $70 potential benefit just for a single card, and $210 from all three of the cards where Uber shows up.
(Though the offers all expire in April so I certainly won’t manage to maximize it)
Just goes to show the value of keeping multiple zero annual fee cards at major banks (looks like Amex, BofA, Chase, Citi and US Bank all have merchant offers now).
Glad we were able to help! And great point that this is another reason to keep those old zero-annual-fee cards!
I don’t have it. I got the custom cash in February. Is this still a thing?
It is! But not all cards are targeted for offers. Are you showing 0 available offers here? https://online.citi.com/US/ag/merchantoffers
Thanks for the info. I enrolled for the Citi Merchant Offers at two merchants. I used the card Double Cash card at those vendors.
Got no statement credit after two billing cycles. Called Citi.
The patient support folks were unaware of the offers and could not see them! Sigh! They escalated.
I just got a letter from Citi (after 4 weeks!) as a result of the support escalation: “Our records do not indicate you were solicited for the offer you mentioned. Please send a copy of the front and back of the offer you received”. Really?!!? It is a Citi offer.
The letter does not include any USPS address, contact org, etc. that should be used to send the required info.
Since it is 2022, I would assume that email would be sufficient.
I have used similar offers at AMEX, BofA and Chase and got the credits with no problem.
Bottom line: I am not impressed with this offer from Citi.
Oh boy. That’s absurd! I haven’t had issues with my Citi Merchant Offers posting. But this seems about right for Citi: when things go bad, they go really bad.
When have yours posted? Mine definitely didn’t post on the first statement.
Interesting! Mine have been posting within about a week of the transaction.