Citi Dividend rotating quarterly categories

[clocktick]

I was reading something that brought up category cards such as the Chase Freedom, Discover More and the Citi Dividend World Mastercard - https://creditcards.citi.com/credit-cards/citi-dividend-card/ 

I had no idea Citi had a card with rotating categories such as the other 2.  Is this not as popular because of the "world" and people won't think it will report a limit?  Or is this a relatively new thing for Citi?  Can anyone tell me what the categories have been prior to July?  I read right now it's airlines, hotels and car rentals.

From my research on here, it seems they actually DO (mostly) report limits. 

Can anyone elaborate on the categories?  Is this comparable to the Freedom?

Thank you.

[Guava]

The card is not new. I've had the Visa Dividend since 2008. One of the reason I think it's not as popular as the Chase Freedom or Discover More is that  Citi limits the amount of cashback you can redeem in a year (only $300 max.)

The categories prior to July were home improvement and gardening stuff iirc

[clocktick]

Ahhh, I didn't read about the cap.  I'm not sure if I'd reach that anyway if the categories were on different months than the other 2 cards.  Do they have 5% off of gas ever?  That's what's most important to me.

[Guava]

I google'd this:

During Q1 2011, the categories are Health Care, Drugstores, and Fitness

During Q2 2011, the categories are Home Improvement, Home Furnishing, and Garden

During Q3 2011, the categories are Airlines, Hotels, and Car Rentals.

They may have had gas category before but I don't remember ever seeing it. The left over categories for Q4 most likely will be cashback on department stores/clothing/utilities

[BluMoon]

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@clocktick wrote:

Ahhh, I didn't read about the cap.  I'm not sure if I'd reach that anyway if the categories were on different months than the other 2 cards.  Do they have 5% off of gas ever?  That's what's most important to me.

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If you want 5% gas, app for the Penfed card.  It's 5% gas all the time - not rotating quarters.

[trumpet-205]

But the good thing about Citi Dividend is that there is no cap on 5% bonus.

For example, I spent $2000 on grocery (hypothetical).

With Chase Freedom ($1500 cap on bonus spending), I got $80 cashback ($75 - 5% cashback + $5 - 1% cashback).

With Citi Dividend (No cap on bonus spending), I got $100 cashback ($100 - 5% cashback).

Also the $300 cap is on total cashback (excluding cashback from Citi Bonus Cash Center) you can earn (not redeem) per calendar year.

[clocktick]

I've known about PENFED for a while but am not ready to apply for that card just yet. 

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@trumpet-205 wrote:

But the good thing about Citi Dividend is that there is no cap on 5% bonus.

For example, I spent $2000 on grocery (hypothetical).

With Chase Freedom ($1500 cap on bonus spending), I got $80 cashback ($75 - 5% cashback + $5 - 1% cashback).

With Citi Dividend (No cap on bonus spending), I got $100 cashback ($100 - 5% cashback).

Also the $300 cap is on total cashback (excluding cashback from Citi Bonus Cash Center) you can earn (not redeem) per calendar year.

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I guess I'm confusing what the "bonus" is vs. non-bonus.  So with the 5% categories there is no cap? 

Also, it doesn't look like they announced the 4th quarter categories yet, anyone know?

[Guava]

Trumpet, I used the wrong word there haha.

Clocktick,

I think what trumpet meant by bonus is the 5% cashback. Normally it's 1% cashback but during each quarter, it's 5% bonus on different things.

For Chase, you can earn 5% cashback on only $1500 spent. If you spend any more than $1500, from the 1501st dollar on, it's only 1% cashback.

For Citi, there's no cap on the 5% spending, but there's cap on the total cashback you earn.

Hope that makes sense

[trumpet-205]

silver0187,

You know me so well.