Posted by Chuck on December 12, 2019
Credit Cards

Published on December 12th, 2019 | by Chuck

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Citi Dividend 2020 Q1-Q2 5% Categories Released (Supermarkets, Fitness, Drugstores, Amazon)

Citi has released the 5% categories for the first half of 2020 on their Dividend card:

  • Q1: Supermarkets and Fitness Clubs
  • Q2: Drug Stores and Amazon

Both quarters here will be useful for some. Remember that with the Citi Dividend there’s no $1,500 limit, it’s just an annual $300 cashback limit, so you can spend a full $6,000 in a single quarter on the 5% category and get $300 back. Drug stores is always a favorite, and for some things like supermarkets and Amazon can be interesting as well, depending what other cards you own.

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bob
bob

is Dividend available via PC? i have a spare DC i don’t use much…

LAG
LAG

I did this last year without an issue… just know that citi takes forever to complete the PC and send the new card, but I believe the card type you PC to is ready almost immediately, so you don’t have to wait for it in the mail to get the new rewards type

Elliott
Elliott

can this be done with the thank you preferred card? Thank you points generating cards in general?

Matt
Matt

I called Citi to convert my DC to Dividend on 03/05/2019. They were willing to convert and gave me the actual conversion date of 04/25/2019. The conversion DID NOT happen yet. I called couple of times to check. They said the “conversion is pending and will happen soon”. I gave up on it and started using DC since it’s cashback can be converted to TY points 1:1 now.

Midnight
Midnight

I checked on Fico forums awhile ago and people said that it wasn’t available as an option when they called. I think I saw it a couple months ago.

Kev
Kev

I tried a couple times recently without success.

Midnight
Midnight

I tried recently as well, it was a bust.

RJS11
RJS11

“Supermarkets are large retail markets that sell foods and household merchandise. Purchases made at Target, Walmart, Kmart, Meijer*, general merchandise/discount superstores, freezer/meat locker provisioners, dairy product stores, miscellaneous food/convenience stores, markets, drugstores, warehouse clubs, wholesale clubs, specialty vendors, bakeries, candy stores, nut stores, confectionery stores, or meal kit delivery services do not qualify.”

So… which stores actually qualify? Would Safeway and Giant be considered “supermarkets”?

Electroman

The ones that use the right MCC and aren’t anything on that list *should* qualify, although one might find exceptions. Safeway and Giant Food are definitely supermarkets. Kroger’s as well.

Grant
Grant

So glad to see supermarkets not at same time as Chase freedom. I might be able to redeem dividend points this year with that higher min redemption.

Jeremy
Jeremy

Discover has grocery Q1

Chucks
Chucks

These are some of the best categories I’ve seen on the Dividend in ages.

George
George

guessing im spending 6k in Q2 on amz LOL

P
P

just chatted with Citi rep. They couldn’t product change my card to this dividend card as it’s less than one year old.

Jeremy
Jeremy

That’s the case for most cards/issuers

Rocky_nnc
Rocky_nnc

I can pc my att If it generates 5x typ instead of cash back.. Does it?

Jeremy
Jeremy

No, divided is cash

AB
AB

Perfect. Dividend hasn’t had much use the last few years for me. I can max it in Q1 next year and then finally PC it to a Rewards+ card.

Tyler L
Tyler L

Edit: so the dividend is no longer available? But some people are still able to convert to it?

Is the Citi dividend fairly easy to get approved for?

curious for someone with a newish thin credit profile but good score. Seems like this could be a good long-term keeper card.

Midnight
Midnight

At the moment, no applications can be taken for this card and product changes recently to this card have not been allowed. I recently called in to try and see if it was an option but it wasnt available even for a card opened for just over two years.

Ben
Ben

Called in 3x on Dec 27 to product change my DC to Dividend, was told by every agent that it’s no longer an option (they even read the list of cards I could PC to).

Unclesam
Unclesam

Do you have to activate before making the purchase or can do it later like Chase? I just realized I had not activated my enrollment and made my first purchase at Supermarket this weekend with the card so wondering if I will get the 5% bonus or not. Activated today so 2 days post purchase.

Eric
Eric

You have activate it before and it takes 2 or 3 days to take effect. It is unlikely you will receive the 5% on that purchase.

Lord Dima

Eric is correct. Which Citi, it takes some time to activate. I think they even have language to that extend on the activation page (at least they did before).

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