Citi Dividend Card
By Alex Compton · Last verified
Citi's 5 percent rotating card, still alive in grandfathered wallets only.
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 Dividend is gone, but these cards do a similar job and are still accepting applications.
The benchmark 2% card, that secretly earns transferable points.
5% on Costco gas and 4% everywhere else you fill up.
The no-fee entry to ThankYou points with a category you pick yourself.
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| 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Historical record · spot an outdated offer?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.
Rate this card
Be the first to rate it
Commentson Dividend
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.