MastercardCiti Dividend Card
Citi's 5 percent rotating card, still alive in grandfathered wallets only.
Welcome Bonus
None
Discontinued
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xRotating quarterly categories
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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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