Citi Dividend 5% Categories: Earn Up to $300 Cash Back Annually

Citi Dividend 5% Categories for Q2 2026

Citi has released the calendar for the second quarter of 2026 for the 5% Cash Back categories on the Citi Dividend card. This card is no longer available for new applications, but many people still have it. It has no annual fee and also comes with rotating 5% categories, similar to Chase Freedom Flex and Discover It. Let’s take a look at the Citi Dividend 5% categories.

How It Works

During the offer period, you will earn an additional 4% cash back on purchases at eligible bonus categories for a specific quarter. That means that you’re getting a total of 5% cash back for your eligible purchases.

The total annual cash back is limited to $300 (eligible transactions appearing on your January – December billing statements) and includes additional cash back earned in connection with this offer. But there’s no quarterly limit. You can choose to earn all your annual $300 cash back in just one quarter.

You can activate these categories here. This offer starts within two business days of when you enroll, or the first day of the quarter, whichever is later, and ends on the last day of the quarter. Activation is normally available about two weeks before the start of the quarter.

Q2 2026

• Grocery Stores: Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code. 
• Citi Travel Purchases: Excludes air travel purchases. Eligible transactions include hotel, car rental, and attractions only and must be booked through the Citi Travel site at CitiTravel.com or by calling 1-833-737-1288 (TTY:711). Citi Travel is powered by Rocket Travel by Agoda.

Q1 2026

• Amazon: Includes all purchases made at Amazon.com.
• Select Streaming Services: Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirecTV Stream, ESPN+, fuboTV, Max, NBA League Pass, Netflix, Pandora, Paramount+, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal

Q4 2025

• Citi Travel Purchases: Excludes air travel purchases. Eligible transactions include hotel, car rental, and attractions only and must be booked through the Citi Travel site at CitiTravel.com or by calling 1-833-737-1288 (TTY:711). Citi Travel is powered by Rocket Travel by Agoda.
• Restaurants

Q3 2025

• Gas Stations: Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.
• Home Improvement Stores – Includes purchases at home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries – lawn and garden supply stores and paints, varnishes and supplies stores. Excludes florists and florists’ supply stores; nursery stock; wholesale construction stores; and glass stores.

Q2 2025

• Grocery Stores: Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code. 
• Citi Travel Purchases: Excludes air travel purchases. Eligible transactions include hotel, car rental, and attractions only and must be booked through the Citi Travel site at CitiTravel.com or by calling 1-833-737-1288 (TTY:711). Citi Travel is powered by Rocket Travel by Agoda.

Q1 2025

• Amazon: Includes all purchases made at Amazon.com.
• Select Streaming Services: Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirecTV Stream, ESPN+, fuboTV, Max, NBA League Pass, Netflix, Pandora, Paramount+, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal

Q4 2024

• Restaurants
• Citi Travel Purchases: Excludes air travel purchases. Eligible transactions include hotel, car rental, and attractions only and must be booked through the Citi Travel site at CitiTravel.com or by calling 1-833-737-1288 (TTY:711). Citi Travel is powered by Rocket Travel by Agoda.

Q3 2024

• Gas Stations: Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.

Q2 2024

• Grocery Stores: Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code. 
• Drugstores: Includes purchases made at pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs if those merchants submit purchases made in their pharmacy with the drug store or pharmacy merchant category code.

Q1 2024

• Amazon: Includes all purchases made at Amazon.com.
• Select Streaming Services: Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirecTV Stream, ESPN+, fuboTV, Max, NBA League Pass, Netflix, Pandora, Paramount+, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal

Q4 2023

• Grocery Stores: Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code. 

Q3 2023

• Gas Stations: Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.
• Home Improvement Stores

Q2 2023

• Grocery Stores: Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code. 
• Drugstores: Includes purchases made at pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs if those merchants submit purchases made in their pharmacy with the drug store or pharmacy merchant category code.

Q1 2023

• Amazon: Includes all purchases made at Amazon.com.
• Select Streaming Services: Includes the following cable, satellite, and streaming providers: Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirecTV Stream, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Paramount+, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.

Q4 2022

• Restaurants: Includes purchases at cafes, bars, lounges and fast-food restaurants. Excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs) and third-party dining delivery services.
• Select travel: Includes airline, hotel, cruise line and travel agency purchases. Excludes timeshares, boat leases and rentals, campgrounds and trailer parks, and real estate agencies.

Q3 2022

• Gas Stations: Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.
• Home Improvement Stores

Q2 2022

• Grocery Stores: Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code. 
• Drugstores: Includes purchases made at pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs if those merchants submit purchases made in their pharmacy with the drug store or pharmacy merchant category code.

Q1 2022

• Amazon
• Select Streaming Services: Includes only the cable, satellite, and streaming providers listed below: Amazon Prime Video, Amazon Music, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.

Q4 2021

• Restaurants: Includes purchases at cafes, bars, lounges and fast-food restaurants. Excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs) and third-party dining delivery services.
• Best Buy

Q3 2021

• Gas Stations: Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.
• Home Improvement Stores

Q2 2021

• Grocery Stores: Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code. 
• Drugstores

Q1 2021

• Amazon: Includes all purchases made at Amazon.com.
• Select streaming services: Amazon Prime Video, Amazon Music, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.

Q4 2020

• Amazon: Includes all purchases made at Amazon.com.
• Walmart.com
• Target.com
• Best Buy

Q3 2020

• Home Improvement Stores
• Select Streaming Services:

Q2 2020

• Drugstores
• Amazon: Includes all purchases made at Amazon.com.

Q1 2020

• Supermarkets
• Fitness Clubs

Q4 2019

• Best Buy
• Department Stores

Q3 2019

• Car Rentals
• Airlines

Q2 2019

• Drugstores
• Fitness Clubs

Q1 2019

• Gas Stations
• Home Depot

Q4 2018

• Best Buy
• Department Stores

Q3 2018

• Movies
• Airlines

Q2 2018

• Home Depot
• Home Furnishing Stores

Q1 2018

• Gas Stations
• Car Rentals

Q4 2017

• Best Buy
• Department Stores

Q3 2017

• Hilton
• Airlines

Q2 2017

• Drugstores
• Fitness Clubs

Q1 2017

• Home Depot
• Home Furnishing Stores

Guru’s Wrap-Up

The total cash back you can earn with the card is $300 per calendar year. That means 5% cash back on up to $6,000 spend for the whole year. You can maximize it all within one quarter if you prefer.

If you don’t have the Citi Dividend card, take a look at the new 5% Citi Custom Cash card.