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New Citi Dividend 5% Cash Back Categories for 2015

New Citi Dividend 5% Cash Back Categories for 2015

Million Mile SecretsNew Citi Dividend 5% Cash Back Categories for 2015Million Mile Secrets Team

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Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

Via Rapid Travel Chai,  Citi Dividend has released the cash back calendar for 2015.

New Citi Dividend 5 Cash Back Categories For 2015
Plan Ahead With the Citi Dividend 2015 Cash Back Calendar

What are the cash back categories and how can you get the most out of them?

Citi Dividend 2015 5% Cash Back Categories

Similar to the Chase Freedom and Discover It cards, with Citi Dividend you earn 5% cash back on categories that rotate each quarter.

Note: It appears that the Citi Dividend is no longer accepting new applications because it’s gone from the Citi website.  But if you already have the card, Citi is giving you reasons to use it!

If you’re a Citi Dividend cardholder, you may have received an email with the new cash back categories for 2015.  Here’s a look at the categories…

New Citi Dividend 5 Cash Back Categories For 2015
Note: You Can Only Earn Up to $300 in Cash Back Per Calendar Year With the Citi Dividend Card! But You Can Max Out Your Earnings in 1 Category or Throughout the Year.

So in 2015, you’ll get 5% cash back when you use your Citi Dividend card:

  • January to March – Macy’s and home furnishing stores
  • April to June – Home Depot and home & garden stores
  • July to SeptemberHilton hotels and airlines
  • October to December – Best Buy and department stores

I like that you can earn 5% cash back at Hilton and on airlines.

You can also use the Citi Hilton HHonors Reserve Card (10 points per dollar spent at Hilton hotels) or the AMEX Hilton Surpass (12 points per dollar) at Hilton.

And keep in mind that some places, such as Best Buy, sell gift cards to other stores and chain restaurants.

How to Take Advantage of the New Categories

You can get the most out of these categories by double and triple dipping.

For example, from October to December 2015, you’ll earn 5% cash back at department stores.  A great department store to use this with is Sears.  That’s because Sears often has high cash back payouts in shopping portals.

Plus, you can also earn Shop Your Way Rewards on Sears purchases, which can be used as cash towards future purchases at Sears stores.

Bottom Line

Citi Dividend’s 5% cash back categories for 2015, will include Macy’s, Home Depot, Hilton hotels, Airlines, and Best Buy.

You can get more out of your 5% cash back by using it along with other offers such as shopping portals.

And remember, you can also earn 5% cash back for rotating categories each quarter with the Chase Freedom and Discover It cards.

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Marjorie Loester

I hope that signing up for email will keep me informed about current discounts that are being offered. I think I have been missing some of them. Do you send postal mailings announcing any special discounts (in addition to the quarterly discounts that we must sign up for)?

Marjorie

I am not surprised that you didn’t use your Citicard for a while, Kathy. Most of Citi’s categories are not very practical, and many seem best suited to millionaires, who probably don’t care if they get cash back or not! But a year or two ago, Citi sent a postal mailing offering 5% back on groceries and gas, so the card is worth keeping. I make an occasional purchase to keep mine active. However, Chase Freedom (offering 5% now on GA$$$$!) and Discover have better categories for regular people.

No wonder you haven`t used your card, Kathy, when most of their points categories are only for millionaires – who probably don`t care if they get cash back or not! I use my Citi Dividend Card once in a while to keep it active. A year or two ago, they sent a postal mailing adding 5% cash back at grocery stores and gas stations, so it is worth keeping. Chase Freedom and Discover have more practical categories for regular people, though.

I currently have this card, but am looking to upgrade it for one that actually gives me miles and better opportunities. How can I upgrade this card to a miles/points earning card? If I upgraded I assume that any sort of bonus miles offering would be none or vastly reduced. correct? Do you think that this would be worth it?

Citi sent me a letter today, closing my Dividends card due to inactivity!!

BooHoo!

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