Citi Dividend® Card
A no-annual-fee transferable-points card from Citi.
Rates, fees, and full terms are set by Citi and can change; check Citi’s official terms for current rates and fees before applying.
Is this card right for you?
people who want a simple, flat rate on every purchase with nothing to track.
you would rather chase elevated bonus categories than earn one flat rate.
Earning rates
Best ways to earn & redeem
Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.
When you cash in, pool the rewards into the issuer transferable points when you also hold an eligible card, then move them to travel partners. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Features & benefits
Transfer partners
On its own this card earns ThankYou Points worth about 1 cent each. Pool it with a Citi transfer card such as the Strata Elite, though, and the points unlock the same airline and hotel transfers, where major partners include:
Airline partners
American Airlines AAdvantage, Turkish Miles & Smiles, JetBlue TrueBlue, Virgin Atlantic, Avianca LifeMiles, Air France/KLM
To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.
Hotel partners
Wyndham Rewards, Choice Privileges, The Leading Hotels of the World
You can check the live points price for a specific stay on rooms.aero.
See the full Citi ecosystem, card lineup, and live transfer bonuses →
Alternatives to the Citi Dividend® Card
Pairs well with
The Citi Dividend® Card earns ThankYou Points but cannot transfer on its own. Pair it with a Citi transfer hub to unlock airline and hotel transfers.
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Citi Dividend® Card lands.
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