Citi Dividend Q3 2022 Categories

Citi Dividend Q3 2022 5% Categories

Citi has released the calendar for the third quarter of 2022 for the 5% Cash Back categories on the Citi Dividend card. This card is no longer available, 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.

The categories where you can earn 5% during the upcoming quarter of 2022 are:

  • 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.

You can activate these categories here, starting from 6/15/22. This offer starts within two business days of when you enroll, or July 1, 2022, whichever is later, and ends on September 30, 2022. During the offer period, you will earn an additional 4% cash back on purchases at eligible merchants. Your total annual (calendar year) cash back is limited to $300 and includes additional cash back earned in connection with this offer.

Guru’s Wrap-Up

The total cash back you can earn with the card is $300 per calendar year. So you’ll get 5% on up to $6,000 spend for the whole year, and you could maximize it all within one quarter if you prefer. Citi Dividend Q3 2022 5% categories include gas and home improvement stores. Gas should be useful right now, but store like Home Depot are also popular.

The current quarter’s categories are even better in my opinion, and you still have time to take advantage of them.

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

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