Posted by Chuck on September 13, 2018

Published on September 13th, 2018 | by Chuck


[Targeted] Citi Cards: Earn 5x on Paypal Purchases, Max $25

The Offer

Check for an email on your Citi Dividend or Simplicity card:

  • Activate the offer to earn 5%/5x points on eligible Paypal purchases through December 12, 2018.


The Fine Print

  • This offer starts upon enrollment and will end on 12/12/2018.
  • Earnings associated with this program will equal 5% back on eligible PayPal purchases that will be posted as a credit on your account and may overlap with other special offers in which you are currently enrolled.
  • Total earnings associated with this offer are subject to a maximum of $25.
  • An eligible purchase is a purchase made when PayPal is the payment method, except for peer to peer transactions (such as PayPal Send Money transactions), purchases made with convenience checks, cash advances, and items returned for credit.
  • We reserve the right to determine which purchases qualify for this offer.
  • All purchases must be posted during the promotional period.
  • In order to qualify for this offer, the account must be open and current at all times. If your account is closed for any reason, including if you convert to another card product, you may no longer be eligible for this offer.
  • You may receive more than one communication regarding this bonus offer with a reply‑by‑date mentioned within; however, if you have already enrolled in this offer, no further action is required.
  • This promotional offer is non‑transferrable and applies to the account ending in the last 4 digits referenced in this offer.

Our Verdict

Nice little bonus. I got this offer on my Dividend, and reader Ryan did as well. Email subject includes “activate this offer for 5% back on eligible PayPal purchases.” Seems it’s targeted on select Citi cards, some cashback cards and some points cards.

The 5% should be on top of the standard rewards on the card. The term state: “Earnings…may overlap with other special offers in which you are currently enrolled.” I interpret this to mean that it can stack with other promotions.

[If you use Paypal with your Citi Dividend card at one of the 5% rotating category merchants, you may end up with 10% (5 + 5), though it might not code properly since it’s through Paypal.]

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Got this on my simplicity

Same here. Got the email today for the Simplicity

I got this on my ThankYou Preferred

Got it on my thank-you preferred

Didn’t get it on my TYP. Seems targeted.

I used to have this card long ago. Does Citi allow cards to be re-opened after being closed by them years ago for inactivity?

Got this on ThankYou preferred

Received the offer for 4 bonus TYP on my Premier card, upto 2.5k points.

My offer was 4 bonus pts on the Premier. So 7x on travel, 6x on dining and entertainment.

Got this on my TU Pref. What’s the best way to take advantage of this? I don’t have any purchases coming up at any of the stores that take PayPal.

Can always pay some 1040-ES at 2% if nothing else…

So if I’ve already maxed out the yearly $300 on Dividend, this offer is still valid?

Ya, I have the same question. If no one knows, i will just do a trial run.

From what I understand, this promotion has nothing to do with the dividend dollars. It is a simple statement credit that you would receive (however, the dividend dollars would probably stack on it… but since you have reached your yearly maximum, I reckon you would only get the statement credit… still not a bad deal).

Got 2500 bonus ty points offer on my Premier.

I forwarded Will my Citi Thank You Premier additional 4x on PayPal transactions offer, valid through 12/12/2018 for up to 2500 points

Shouldn’t you mention that PayPal charges a 2.9% fee when paying with credit card? The bonus is still net 2.1% but worth considering.

Most of us aren’t sending straight up money. When you purchase goods and check out with PayPal they don’t charge a cc fee.

As a holder of a TY premier and a TY preferred quite annoyed I didn’t get this. But I get those balance transfer offers constantly! Think i better double check I’m opted into the emails because it seems like everyone got them…

I got this on Thank you Preffered however the T&C says – “Use your Citi ThankYou® Preferred Card and earn 4 bonus ThankYou Points per $1 spent on eligible PayPal purchases on top of what you already earn. That’s a total of 6 ThankYou Points per $1 spent on eligible dining out and entertainment PayPal purchases and a total of 5 ThankYou Points per $1 spent on all other eligible PayPal purchases, up to 2,500 points, through 12/12/2018.”

What the heck is that? Who uses Paypal for dining? I dont get it, am I the only one that got this odd offer.

Mine had all the same language on Preferred. I thought it was more confusing than helpful for my uses of this card.

Yay! Finally got something on this (Dividend flavor here) so I can dust it off and use it again.

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