Citi Dividend Card
By Alex Compton · Last verified
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)
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 Capital One Savor, Bilt Mastercard, Chase Freedom Unlimited. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Dividend is gone, but these cards do a similar job and are still accepting applications.
3% on dining, groceries, entertainment and streaming. No fee.
The only card that earns points on rent with no fee.
1.5x on everything, and a points multiplier when paired with a Sapphire.
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Last verified 2026-06-11 · spot an outdated offer?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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