Citi
Citi Dividend® Card
Legacy card. This card is no longer open to new applicants. It is shown for historical reference and for existing cardholders, who can still add it to My Wallet to plan around what they already carry.
Pools with Citi → transferable
Annual fee
No annual fee
Welcome bonus
Not available (no longer open to new applicants)
Min spend
N/A
Recommended credit
Good (670+)
Rates and offer last verified June 18, 2026.
Earning rates
5% cash back on rotating quarterly bonus categories (activation required each quarter)
1% cash back on all other purchases
Total cash back capped at $300 per calendar year
Rewards can be pooled into Citi ThankYou Points with a transfer-capable Citi card (like the Strata Premier) and moved to airline and hotel partners
Features & benefits
No annual fee
Closed to new applicants for years; existing holders are grandfathered
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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