Citi Dividend World Mastercard

[rocky77]

I have had this card since 2004. I used to use it for all utilities, bill pay etc but since they changed to 5% quarter categories, I dont use any of those categories much at all. I am thinking about switching it. 

Can I product change from this card to another Citi card without impacting my credit? If yes, what would be the best rewards card to use for utilities, bill pay and general expenses ( except grocery- I use my BOA cash rewards for that). I also have citi simplicity card which I dont use much. Will it be better to product change the simplicity card instead of the dividend card? Thanks for your advice. 🙏 

[Anonymous]

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@rocky77 wrote:

I have had this card since 2004. I used to use it for all utilities, bill pay etc but since they changed to 5% quarter categories, I dont use any of those categories much at all. I am thinking about switching it. 

Can I product change from this card to another Citi card without impacting my credit? If yes, what would be the best rewards card to use for utilities, bill pay and general expenses ( except grocery- I use my BOA cash rewards for that). I also have citi simplicity card which I dont use much. Will it be better to product change the simplicity card instead of the dividend card? Thanks for your advice. 🙏 

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Do you have a general 2+% card?  If not, it might be worth PCing to the Double Cash.   But, I would be inclined to keep the dividend just because the 5% might be useful from time to time.  You mention groceries.  In the 1st quarter, Dividend had supermarkets as a 5% category.   Did the Cash Rewards pay more with your status?    Also, unlike Discover or Freedom, you can spend all $6K in a single quarter, if there is a good one!

[rocky77]

Thanks. Yes, I did use the dividend for groceries but that caregory is very occasional, also it has a 300$ annual cap on total cash back rewards. I use the BOA cash rewards for 2% on groceries and 3% on category choice of either gas, dining, online shopping or drug stores. Now looking for a card to replcace either citi dividend or simplicity card to use for utilities, bills, car maintainence and other charges to get more than 1% cash back for those expenses. Thanks.

[BearsCubsOtters]

Oh man, I got all excited when I saw this. I thought maybe you were able to PC a card to a Dividend. A lot of us would like to be able to do that. 

But to your question, give Citi a call; they will be able to tell which cards, if any, you may PC to. 

[rocky77]

Sorry, but what is so special about the citi dividend card? Most of the categories like warehouse club, best buy, home furnishings, car rentals, hotels, travel and fitness clubs are not common, I dont know if most people use those categories frequently to make use of 5% and also the annual cash back max is capped at 300$. Is there anything great about the card that I am missing. Thanks 

[K-in-Boston]

Those uncommon categories are why most of us want the Dividend!  You should be able to product change and keep your account age for practically any card Citi offers, and even many no longer offered.  Going to a Costco card it would be very unlikely you can ever change it from that, and as of today PCs to Dividend are not allowed so be sure you really want to get rid of it.

[Anonymous]

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@rocky77 wrote:

Sorry, but what is so special about the citi dividend card? Most of the categories like warehouse club, best buy, home furnishings, car rentals, hotels, travel and fitness clubs are not common, I dont know if most people use those categories frequently to make use of 5% and also the annual cash back max is capped at 300$. Is there anything great about the card that I am missing. Thanks 

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The $300 cashback cap is the same as that on the Discover and Freedom/FreedomFlex (when used as cashback).   The big advantage is that it's not restricted to $75 per quarter as those are, you can spend it all at once.

The usefulness of categories vary from person to person.   This year you had Q1 with supermarkets and fitness clubs, and Q2 with Amazon and drug stores, both useful for some people   Q3 is home improvement and streaming, Q4 online purchases at warehouse clubs and best buy.

So not that bad IMO!

[rocky77]

Warehouse clubs and best buy is on online purchases only. Costco only accepts visa and dividend is mastercard. That leaves only sams club and BJ warehouse. Not many choices there. 

[Anonymous]

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@rocky77 wrote:

Warehouse clubs and best buy is on online purchases only. Costco only accepts visa and dividend is mastercard. That leaves only sams club and BJ warehouse. Not many choices there. 

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Costco is Visa only in stores.  Online, mastercard is accepted.   (See https://customerservice.costco.com/app/answers/detail/a_id/719/~/what-payment-methods-are-accepted-a...)

Anyway, if your experience is that the categories aren't useful for you, and there is a more attractive alternative, go for it!  For me, while not overly useful it's better than anything I could PC too.

[OmarR]

My biggest gripe about this card is the $50 minimum redemption on the rewards. I keep it around, but my prediction is that eventually we will all be PC'ed into a DC. I won't lose sleep when that happens, and having a card with virtual number capability will be nice.