Citi has announced the 5% categories on their Dividend card for Q3 2026. Already available to enroll (since 6/4/26):
- Gas Stations – not clear if EV counts. Note, some convenience stores count as Gas, and they sometimes sell gift cards too.
- Home Improvement stores – always a nice summer category. Can buy gift cards at home improvement stores as well.
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.
Gas Stations: Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.
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.
