Citicards Dividend Card vs Other Rewards Cards

The Citicards Dividend card is a great option for those looking for a rewards card with a unique twist. It offers 5% cash back on up to $500 in purchases in different categories each quarter, like gas stations, grocery stores, and restaurants.

This is a higher earning rate than many other rewards cards, which typically offer 1-3% cash back on all purchases. The Citicards Dividend card also has no rotating category restrictions, so you can earn the 5% cash back rate on a wide range of purchases.

One thing to consider is that the Citicards Dividend card has a $95 annual fee, which may not be worth it for some people. However, if you can take advantage of the 5% cash back rate and other benefits, it may be a good choice.

The Citi Dividend Card is a cash back credit card that offers a rewards program. It's issued by Citibank and has a good reputation among credit card users.

The card offers 5% cash back on purchases at supermarkets and drugstores, as well as 1% cash back on all other purchases, cash advances, and balance transfers. This is a great benefit for those who spend a lot on everyday items.

One of the best features of the Citi Dividend Card is that it has no annual fee. This means you can use the card without worrying about paying extra fees each year.

The card also has a 12-month introductory rate of 0% on purchases, which can be a big help if you need to make a large purchase. After the introductory period ends, the regular APR is between 12.99% and 22.99%.

If you're looking for a credit card with rewards, the Citi Dividend Card is worth considering. It's a solid option for those who want to earn cash back on their purchases.

Here are some key features of the Citi Dividend Card:

Overall, the Citi Dividend Card is a great option for those who want to earn cash back on their purchases without paying an annual fee.

The Citi Dividend Card Benefits are straightforward. It's a cash back credit card, which means you earn rewards in the form of cash, not points.

The Citi Dividend Platinum Select card does not offer points, it's designed to give you cash back rewards instead. This makes it a great option for those who want to earn real money back on their purchases.

One of the benefits of the Citi Dividend card is that it's a cash back credit card, which means you can redeem your rewards for cash.

The Citi Dividend Card is a popular choice for those looking to earn cash back on their purchases. It offers a 5% cash back rate on supermarket, gas station, and drugstore purchases.

The card's introductory 0% interest rate on balance transfers is a great perk, lasting 12 months. After that, the APR on purchases and cash advances is 17.99% and 22.99%, respectively.

The card's rewards system is straightforward: 5% cash back on certain purchases, 1% on others, and no expiration on earnings. However, there is a $300 rebate limit per year.

Here's a comparison of the Citi Dividend Card with two popular alternatives:

The Citi Dividend Card's bonus categories are on par with similar cards, offering the same 5% rewards on popular categories like supermarkets and gas stations.

Historically, these categories have included streaming services, which have gained popularity over the years.

You can earn 5% back on these categories up to a cap, which is mentioned in the card's terms.

For example, if you spend the entire $6,000 at Home Depot in a three-month period when home improvement stores are a bonus category, you can earn 5% on all of it.

Here are the bonus categories for the Citi Dividend Card for 2025:

Keep in mind that these categories are subject to change and may be different from year to year.

The Citi Platinum Select Visa Card is a popular choice for those looking for a rewards credit card with no annual fee. It has a WalletHub rating of 3.3, which is decent but not exceptional.

One of the main benefits of this card is its 0% introductory APR for 12 months on purchases. This can be a huge help for those who want to finance a large purchase without paying interest.

However, the regular APR on this card is quite high, ranging from 12.99% to 22.99%. This is something to consider if you're not planning to pay off your balance in full each month.

In comparison, the Citi Double Cash Card has a WalletHub rating of 4.9, which is significantly higher. This card also offers a 0% introductory APR for 18 months on balance transfers, but with a transfer fee of 3% intro fee ($5 min) for each transfer in the first 4 months.

Here's a quick comparison of the three cards:

Ultimately, the best card for you will depend on your individual needs and financial situation. Be sure to do your research and compare the terms and conditions of each card before making a decision.

The Citi Dividend Platinum Visa card has a feature called the Bonus Cash Center, which is an online shopping portal with hundreds of merchant partners. This portal allows cardholders to earn extra cash back on their purchases.

The Bonus Cash Center is not a new feature, it's been around for a while and was previously known as the Citi Dividend Merchant Network. It's a convenient way to earn rewards on your purchases without having to do anything extra.

Cardholders can earn Dividend Dollars on their purchases through the portal, and the good news is that these dollars are not subject to the annual cap of $300. This means you can earn more rewards than you would with other cards that have this limit.

Some of the merchants that are partners with the Citi Bonus Cash Center include GAP, which is just one example of the many online stores you can shop through the portal. The portal also has partnerships with offline stores and even catalog orders, so you can shop in a variety of ways and earn rewards.

According to a recent study, the Citi Bonus Cash Center has the most merchant partners among its competitors. This is great news for cardholders who want to earn more rewards on their purchases.

Here are some of the Citi Bonus Cash Center's merchant partners:

By shopping through the Citi Bonus Cash Center, you can earn more rewards on your purchases and save money in the long run.

You can earn up to $300 in cash back per year with the Citi Dividend Card, which is a hard cap that includes earnings from 5% bonus categories and 1% back on other purchases.

The cash back earnings are divided into two types: 5% back on purchases at supermarkets, gas stations, and drugstores, and 1% back on all other purchases, including cash advances and convenience checks.

You get 5% cash back on purchases at supermarkets, gas stations, and drugstores, and 1% back on all other purchases, including cash advances and convenience checks.

To earn cash back, you can use your card to make purchases, and the rewards will be credited to your account in the form of Dividend Dollars.

You can redeem your Dividend Dollars for a check when you have at least $50 in your account.

Here's a summary of the cash back earnings: