Citi · Mastercard · personal · closed to new · Cash back
Review the linked sources below for offer details and eligibility.
Earning
| Everything else | 1% | 1% |
| Rotating quarterly categories (citi dividend) up to $6,000/year · activation required
|
5% |
Right column: value per $ at travel valuation (1¢/pt). Dollar-for-dollar.
Credits
None.
Benefits
- No annual fee
Protections
| rental car | none |
Notes
SEEDED FROM MODEL KNOWLEDGE (as of mid-2026), NOT YET WEB-VERIFIED — numbers may be stale; confirm on the issuer's site before relying on a credit or cap. Partially web-checked 2026-09-08: Citi's activation page https://www.citi.com/credit-cards/dividend-quarterly-offer (JS page; offer JSON embedded) confirms Q3 2026 (Jul 1–Sep 30) 5% cash back at Gas Stations and Home Improvement Stores, sign-up from 2026-06-04, offer starts within two business days of enrolling, worded as an 'additional 4% cash back' (i.e. 1% base), and 'Your total annual (calendar year) cash back is limited to $300 and includes additional cash back earned in connection with this offer' — the $300 cap applies to ALL cash back on the card, base 1% included, so 5% room is under $6,000 if you also spend at 1%. Gas Stations exclude gas at warehouse clubs, discount and convenience stores; Home Improvement includes hardware, lumber/building materials, paint, nurseries/lawn and garden. Doctor of Credit: Q1 2026 Amazon and select streaming services (sign-up from 2025-12-15); Q2 2026 Grocery stores and Citi Travel; the $6,000 can be used in one quarter or spread across quarters. Card is absent from Citi's all-cards listing (closed to new applicants). Annual fee and the 3% FTF were not stated on any page fetched. catalog/rotating.json 'citi_dividend' quarters are still empty.
Verified 2026-06-01 · confidence medium · sources: 1, 2, 3, 4, 5