Citi Dividend 2018 Quarterly 5% Categories

Citi has released the full list of quarterly 5% cash back categories for 2018. Citi Dividend card holders have received this information via email. While this card is no longer available for new applicants, it is sometimes possible to product change an existing card to a Dividend card.
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2018 5% back categories

2018 Q1 Citi Dividend categories (January through March) = Gas stations & car rentals
2018 Q2 Citi Dividend categories (April through June) = Home Depot & home furnishings stores
2018 Q3 Citi Dividend categories (July through September) = Airlines & movies
2018 Q4 Citi Dividend categories (October through December) = Best Buy & department stores

Quick Thoughts

Remember that the Dividend card earns 5% back on up to $6,000 in total bonus category spending. This means that if you’re planning a spring renovation, you could spend all $6,000 at Home Depot to earn $300 cash back or you could spend $1500 in a bonus category each quarter. That makes the Dividend card pretty flexible. While it’s disappointing not to see a category like grocery stores make an appearance on the calendar, most card holders will probably still be happy to be able to plan out purchases to maximize the 5% categories for 2018.

H/T: Doctor of Credit

About Nick Reyes

Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.

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mikeNunRobGreg The Frequent MilerEric V Recent comment authors

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Eric V
Eric V

These seem slightly better than last year, which is surprising. I get a weekly email it seems to try to get me to convert this card into a strict 1% cash back card. I figured they were close to shutting the Dividend down

Greg The Frequent Miler

It surprises me too that they’ve kept this card alive this long


I’m hoping they keep it alive indefinitely – I’m planning to get a Citi AAdvantage card, then after the first year PCing it to the Dividend…but really, with the Chase Freedom, Discover It, US Bank Cash+, and Nusenda CU Platinum Cash Rewards, the Citi Dividend is basically icing on the cake for me.


Last year was better because they offered drugstores. It was very easy to max out on the $300 yearly dividend.


does that include lowes for the 5% or just home depot?