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Home » Citi Dividend Q2 2024 cash back categories: 5% at Grocery Stores and Drugstores

Citi Dividend Q2 2024 cash back categories: 5% at Grocery Stores and Drugstores

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You can now start earning 5% rewards on the Q2 2024 cash back categories for the Citi Dividend card. This quarter’s categories include Grocery stores and drugstores.

Quick link: Activate your Citi Dividend Q1 2024 category bonus.

Click through the link and sign into your Citi account online. You’ll need to select your card from the list once you log in if you have multiple Citi Cards.

Remember, you must activate your Citi Dividend categories before making purchases in order to qualify for 5% cash back. According to Citi, you must activate at least two business days before you make purchases in order to qualify for bonus cash back.

Screenshot of Citi Dividend Q2 2024 bonus categories. Bonus categories include grocery stores and drugstores.
Citi Dividend Q2 2024 bonus categories

The Citi Dividend card is no longer available to new cardmembers. If you’re looking for a 5% rotating category card from Citi, consider the Citi Custom Cash℠ Card, which offers 5% back on the first $500 of spending each statement cycle.

2024 Citi Dividend cash back category overview

Here are the currently announced bonus categories of the Citi Dividend card in 2024:

Q1 2024
January – March
Q2 2024
April – June
Q3 2024
July – September
Q4 2024
October – December
Amazon.com and select streaming servicesGrocery stores and drugstoresNot yet announcedNot yet announced
2024 quarterly bonus categories of the Citi Dividend Card

Second quarter 2024 category bonus details

Grocery stores includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. The category excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code.

Drugstores includes standalone drugstores and purchases made at pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs if those merchants submit purchases made in their pharmacy with the drug store or pharmacy merchant category code.

First quarter 2024 category bonus details

The Amazon category is pretty straightforward. Purchases on Amazon.com count. Purchases made with Amazon Pay do not qualify as eligible purchases. Citi mentions nothing about Amazon’s other brands like Whole Foods Market and Amazon Fresh, but I would not expect these to count. Citi also notes that Amazon is not a sponsor of the quarterly promotion.

Select streaming services includes most of the popular streaming services you would recognize. Here’s the list of cable, satellite, and streaming providers where you can get 5% back this quarter:

  • Amazon Prime Video
  • Amazon Music
  • Apple Music
  • Disney+
  • DirecTV Stream
  • ESPN+
  • fuboTV
  • HBO Max
  • NBA League Pass
  • Netflix
  • Pandora
  • Paramount+
  • Showtime
  • Sling TV
  • Spotify
  • Starz
  • SiriusXM
  • Tidal
  • Vudu
  • YouTube Red
  • YouTube TV

Alternatives to the Citi Dividend card

The Citi Dividend Card is no longer available to new cardmembers, but here are a few cards that earn 5% rewards that you can get as a new cardmember.

Citi Custom Cash® Card

Citi Custom Cash® Card welcome bonus:

bonus_miles_full

All information about the Citi Custom Cash℠ has been collected independently by cardsandpoints.com.

Click here to learn more and apply.

Our take on the welcome bonus: Citi doesn’t often offer an increased welcome bonus on the Custom Cash. If you do not yet have a Custom Cash card, there’s no reason to wait for an increased bonus.

The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.

Citi Custom Cash℠ Card card art

Citi Custom Cash℠ at a glance:
Annual fee: $0
Rewards: 5% on the first $500 in monthly purchases in your top eligible category. 1% everywhere else.

Chase Freedom Flex℠

Chase Freedom Flex℠ welcome bonus:

Before you apply through the link below, be sure to see our coverage of the best welcome bonus on this card. There may be a better offer in-branch.

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Click here to learn more and apply for the Chase Freedom Flex℠.

Our take on the welcome bonus: $200 after $500 is the standard welcome bonus on this card.

The link above is a referral link. Someone on our team may earn points if you apply and are approved to the link above. We always show you the best offer, and this is the best offer we know about on this card.

Chase Freedom Flex card art

Chase Freedom Flex℠ at a glance:
Annual fee: $0
Rewards: 5% in rotating categories (up to $1,500 in combined purchases per quarter). 5% travel through Chase. 3% dining. 3% drugstores. 1% other purchases.
Benefits: Extended warranty. Purchase protection. Cell phone protection.

Citi Dividend cash back limits

The Citi Dividend card limits the total amount of cash back you can earn during the calendar year to $300. This limit includes all cash back you earn during the year. This means that, if you use your card only for 5% bonus categories, you can earn 5% cash back on up to $6,000 of category spending during the year. Many other rotating category cards cap the amount you can earn from bonus categories. The Citi Dividend caps the rewards you can earn from all spending.

Another quirk to consider is that Citi’s limit on the cash back you earn with your Citi Dividend card is based on when your cash back is awarded, not when it is earned. This becomes most relevant at the end of the year. If you use your card in late December, but your statement closes in January, you’ll earn cash back based on Citi’s fourth-quarter bonus categories, but next year’s cash back limit will apply to the cash back you earn.

Using the end of the year to your advantage

If you have maximized your cash back for the current year, you can still earn 5% rewards on some of your purchases in the fourth-quarter bonus categories. Here’s how.

Citi applies its cash back limits based on statement closing date. Any rewards you earn on your Citi Dividend card after your December statement closes be awarded with your January statement. And those rewards will apply toward next year’s rewards cap.

For example, if your December statement closes on December 15th:

  • Spending prior to December 15th will earn 5% rewards based on based on the fourth quarter bonuses in the current year and count toward the current year’s rewards cap.
  • Spending after December 15th, but before January 1st will earn 5% rewards based on the fourth quarter bonuses in the current year and count toward next year’s rewards cap.

If you’ve already maximized your cash back rewards for the current year, but want to take advantage of this year’s fourth-quarter bonus categories, you can wait until after your December statement closes and the cash back you earn will apply toward next year’s cap.

How to activate Citi Dividend cash back categories

You must activate the Citi Dividend cash back categories prior to making purchases. To activate your cash back categories, simply go to Citi’s website. Click “Sign Up Now” at the bottom of the page.

You will need to log into the website and select your card from the dropdown menu if you have multiple Citi cards. Once you have logged in and selected your card, if you have not yet enrolled, you’ll see another “Sign Up Now” button at the bottom of the page. The website will display additional terms and conditions for you to accept. Once you click “Accept” you will see a confirmation that you have successfully signed up for the bonus categories on your Citi Dividend card.

Note that signing up for your bonus categories takes two business days; you won’t receive 5% rewards on category purchases until signup has fully processed.

When do I need to activate?

Citi generally announces cash back categories in the month before the quarter begins. You can typically enroll in your quarterly cash back offer after the 15th of the month prior to the quarter. Enrollment for January-March 2023 bonus categories began on 12/15/2022.

You must activate your cash back bonus categories prior to making purchases. Purchases made prior to activation will not receive additional cash back rewards. Note that activation may take up to two business days. You will only receive 5% cash back on you bonus category purchases once your enrollment has fully processed.

Historical cash back categories

There is no guarantee that Citi will offer any particular bonus category until it is announced, but knowing what categories have historically been offered on the Citi Dividend card can give you an idea of what might be coming in the future. The Citi Dividend cash back categories have been similar in recent years. Because the card is not actively marketed to new cardmembers, there is a good chance that the categories will remain the same year-over-year.

Here are the previous 5% categories of the Citi Dividend card.

Citi Dividend cash back categories for 2023

  • January-March: Amazon.com and select streaming services
  • April-June: Grocery stores and drugstores
  • July-September: Gas stations and home improvement stores
  • October-December: Grocery stores

Citi Dividend cash back categories for 2022

  • January-March: Amazon.com and select streaming services
  • April-June: Grocery stores and drugstores
  • July-September: Gas stations and home improvement stores
  • October-December: Restaurants and select travel

Citi Dividend cash back categories for 2021

  • January-March: Amazon.com and select streaming services
  • April-June: Grocery stores and drugstores
  • July-September: Gas stations and home improvement stores
  • October-December: Restaurants and Best Buy

Frequently asked questions

Is the Citi Dividend card available to new cardmembers?

No. The Citi Dividend card is not available to new cardmembers. Citi offers a 5% card in its current lineup, the Citi Custom Cash. Other 5% rotating category cards include the Chase Freedom Flex℠ and the Discover It Cash Back card.

Are the rewards of the Citi Dividend Card limited?

Yes. You can only earn $300 of total rewards each year on your Citi Dividend card. If you use your card exclusively for the 5% bonus categories, this represents $6,000 of spending.

How do rewards work at the end of the year?

Your rewards count toward your yearly cap in the year in which the rewards are credited, based on your statement date. If make a purchase in December after your December statement closes, that purchases will show up on your January statement and count toward your rewards for the following year.

What are the benefits of the Citi Dividend Card?

The biggest perk of the Citi Dividend Card is the cash back you can earn from the card’s 5% cash back categories. The card does not offer any benefits like extended warranty or purchase protection.