Can You Product Change to Citi Dividend?

In the post Best Downgrade Options & Rules For Each Card Issuer we mentioned the three best options for someone who wants to downgrade a Citi card without closing it:

• Citi Double Cash – 2% cashback anywhere
• Citi Dividend – 1% cashback and 5% categories, max $300 cashback per year
• Citi ThankYou Preferred – this is the best option if you need an open ThankYou points card to keep points alive

Reader Marco asks,

I thought Dividend application is dead already (no longer available for signup). Is it still possible to product change to it?

Multiple reports in the comments of a recent post indicate that product changing to Dividend is still possible, including one data point from yesterday. Hopefully, it will work for all of us.

There is particular interest now in the Citi Dividend card since this year the Q2 category is drugstores, a popular category. And you can get 5% back with an annual cap of $300 in cashback. This amounts to $6,000 spend total at the drugstore if you want to max it all out there.

It may be worth product changing to Dividend for the bonus category and then changing it again to a different, something Chasingthepoints had success with recently. Remember that there’s never a guarantee that you’ll be able to product change to any given product at any given time, so keep that in mind.