Citi Double CashCiti
Terms checked 2026-10-22
2% on eligible purchases: 1% when you buy and 1% as you pay
20,000 pts bonus (≈$200)AF: $0Rating: 8.3/10
Citi Dividend Card
By Alex Compton · Last verified
Citi's 5 percent rotating card, still alive in grandfathered wallets only.
★ 7.4/10CitipersonalDividend Cash Back
DiscontinuedBest for: Grandfathered 5 percent calendars
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$0
Last recorded · 3% FTF
Credit Score
670+
(Good)
Common Questions
Is the Citi Dividend Card discontinued?
Yes. Discontinued. Citi's 5 percent rotating card, still alive in grandfathered wallets only.
What can I use instead of the Citi Dividend Card?
The closest open alternatives we track are the Citi Double Cash, Costco Anywhere Visa Card by Citi, Citi Strata Card. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Citi Dividend Card is no longer open to new applicants. Compare these cards for a similar use.
Terms checked 2026-10-12
5% on Costco gas and 4% everywhere else you fill up.
Special bonusAF: $0Rating: 7.9/10
Citi Strata CardCiti
Terms checked 2026-11-02
The no-fee entry to ThankYou points with a category you pick yourself.
20,000 pts bonus (≈$360)AF: $0Rating: 7.6/10
Historical Offers Chart
Dated offer history for this discontinued product.
Sign-Up Bonus (value)Spending Requirement ($)
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2013-06 | $100 | $500 in 3 mo | Terms reconfirmedFinal offer before Citi pulled applications | Archive record · no attached snapshot |
| 2010-03 | $100 | $500 in 3 mo | Earliest record100 dollars, the standard offer of its public years | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Historical record · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5xRotating quarterly categoriesEnrollment required, 300 dollar calendar-year cap on total Dividend dollars
- 1xEverything else
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Citi still publishes a quarterly 5 percent calendar for grandfathered holders
- ✦Categories often included useful spend like Amazon, gas and grocery
Why it earns its spot
- +One of the original 5 percent rotating cards alongside Discover and Freedom
- +Survives as a working relic, the calendar never stopped
Where it costs you
- −300 dollar annual cap on earnings, far tighter than rivals' quarterly caps
- −Closed to new applicants for over a decade with no product-change path
The Compound Verdict
The Dividend was Citi's answer to the rotating 5 percent wars and it quietly never died, it just stopped taking new customers around 2013. Grandfathered holders still get a quarterly calendar, capped at 300 dollars of cash back per calendar year. It is the rare zombie card that still pays out, which is why old accounts never get closed.
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