What end-of-market Citi cards are still available for PC?
The Citi Dividend card is a bit unique.
On the minus side, it has a $300 cap on total annual cashback earnings, not only 5% but 1% too. Practically, after you have earned $300 for the year, there's no more point in using the card any more.
Not everyone finds the categories useful. But that doesn't mean it's not useful.
For example, last quarter, it offered 5% on drugstores. Even if you don't spend a ton of money on medicines, it's not difficult to grab a few gift cards, including some for the drugstore itself for future use.
This quarter, it's offering 5% on Hilton and airfare. I don't know of many zero AF cards that offer 5% on airfare, ever. US Bank used to do it on its Cash+ but that's a few years ago. Folks often book air tickets a few months in advance, especially those who book leisure travels. Should be a no-brainer 
Now, for the biggest plus.
The category bonus can be earned all in one quarter. So, if you find a quarter that you like, unlike Chase Freedom or Discover It, you can spend all of the $6000 in one shot, get the $300 bonus, and be done with it. With categories like drugstore and airfare, it's definitely a possibility.
Still, it may not fit the bill of many. For the ones that find good use of the categories, it's a pretty good card.
Also, 6-monthly SP CLI is almost guaranteed. Not sure about that on other Citi cards like the DC. If it's a Citi-wide policy, this will not impact much.
@Ghoshida wrote:The Citi Dividend card is a bit unique.
On the minus side, it has a $300 cap on total annual cashback earnings, not only 5% but 1% too. Practically, after you have earned $300 for the year, there's no more point in using the card any more.
Not everyone finds the categories useful. But that doesn't mean it's not useful.
For example, last quarter, it offered 5% on drugstores. Even if you don't spend a ton of money on medicines, it's not difficult to grab a few gift cards, including some for the drugstore itself for future use.
This quarter, it's offering 5% on Hilton and airfare. I don't know of many zero AF cards that offer 5% on airfare, ever. US Bank used to do it on its Cash+ but that's a few years ago. Folks often book air tickets a few months in advance, especially those who book leisure travels. Should be a no-brainer
Now, for the biggest plus.
The category bonus can be earned all in one quarter. So, if you find a quarter that you like, unlike Chase Freedom or Discover It, you can spend all of the $6000 in one shot, get the $300 bonus, and be done with it. With categories like drugstore and airfare, it's definitely a possibility.
Still, it may not fit the bill of many. For the ones that find good use of the categories, it's a pretty good card.
Also, 6-monthly SP CLI is almost guaranteed. Not sure about that on other Citi cards like the DC. If it's a Citi-wide policy, this will not impact much.
I honestly wish I could give you more than 1 kudo for this. It's not a card that makes sense for everyone. I was considering doing a PC from Diamond Preferred to Dividend in the future but wasn't sure how much I would end up using it since I have both Chase Freedom and Discover it. I think you just sold the card well to me. Just knowing that I could max it all out in one shot for the year could potentially be great for me. The problem I run into often is that $1500 in a quarter for restaurants? Yeah, no problem even for a quarter like this where both cards have restaurants. But $1500 in gas (or even gas and public transit)? No way. My family spends $120 in fuel a month, tops. I know the categories can sometimes be a bit quirky in comparison to the similar 5% cards; too bad private school tution and daycare aren't among them. LOL
