The Citi Dividend 5% categories have been released for the third quarter of 2025:
- Gas Stations
- Home Improvement Stores – Includes purchases at home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries – lawn and garden supply stores and paints, varnishes and supplies stores. Excludes florists and florists’ supply stores; nursery stock; wholesale construction stores; and glass stores.
Gas is a popular category for summer travel, and is included in the Chase Freedom and Discover categories for Q3 2025 as well.
Note: Citi is different than the other cards in that you have a $6,000 annual cap rather than a $1,500 quarterly cap. You can get 5% back on up to $6,000 in this quarter, you can save the entire amount for a different quarter, or you can use part up each quarter.
Is there any way to product change a card into the Dividend card?
The Dividend card was officially discontinued ages ago. It’s interesting that Citi still maintains it, and chooses a category every quarter.
No. You can’t product change.
They keep this card for ages but they couldn’t leave the Rewards+ alone
That part doesn’t make any sense. I doubt people were gaming the R+ more than the Dividend card. The Dividend card probably costs Citi more due to having to set up the 5% quarterly categories every month.
Citi should just allow us to PC to the Dividend card. It wouldn’t hurt them.
I’m a little confused by your logic. You wrote “[t]he Dividend card probably costs Citi more” but then wrote “Citi should just allow us to PC to the Dividend card. It wouldn’t hurt them.” Care to clarify?
A credit card makes a bank money by a lot of people using the card. The Dividend card probably has a handful of people still using it, so not that many people are putting spend on it. The Dividend card has been closed since 2013? I’m not sure how many people still have them, but I assume it’s not a lot. I never heard anyone on the credit cards Reddit say they have it.
The rotating category needs to be set up every quarter, and Citi needs to make deals with Amazon or whatever, then update their graphics and website to reflect the quarterly category. Citi probably sends notifications about the quarterly category too, which have to be made. That already is a lot of time and energy that goes into maintaining a card with a small user base.
IF Citi allowed people to PC to the Dividend card, that would give the Dividend card a larger user base and thus make the quarterly investment into the Dividend card more worth it.
Chase still let’s people PC to the OG Freedom card that was discontinued. It’s seen as consumer friendly, and it gives people more options. Citi should follow in Chase’s footsteps if Citi wants to compete.
I have 2 Dividends and the only time I put spend on it is for either the 5% categories or for Citi Merchants deals. I would guess that Citi is losing money on customers like me.
Your Chase example is not comparable. The CFF is not discontinued and that card gives the same benefits as the CF except more. Therefore, Chase is not really doing people that much of a solid by allowing people to PC to a CF still.
The original Chase Freedom Visa card IS discontinued. You CANNOT apply for the original Chase Freedom Visa card anymore. You can only PC to it.
https://www.chase.com/personal/credit-cards/freedom/freedomfive
I wrote that the CFF is not discontinued. The CF is discontinued. That doesn’t change my point at all.
Between this, Discover, and all the Chase cards, they really want us to buy gas next quarter!
Anticipating a full blown war may be