@wasCB14 wrote:What does the Dividend look like right now? I know it is or was a 5x card, but does it earn cash or TYs? What are the redemption options? Are the benefits pretty much the same as on DC? Does it still have rotating categories?
One factor nudging me to DC is that it's perhaps less likely to be replaced with something else.
The Dividend card is pretty crummy IMHO. It used to be a great card many years ago. Yes, it is a rotating 5% cash back catagory card; however, for me at least, the quarterly bonuses are of little or no use. Right now it is 5% cash back at home improvement stores.
January through March it was gas (first time in a while they offered gas) and car hire; July through September will be movies and airlines (somewhat beneficial if you are going to be traveling). The end of the year catagory is usually beneficial as it will be department stores and Best Buy....
I can confirm what UncleB stated; there is a $50 minimum redemption to account credit or direct deposit (and only if you have a checking account associated with the card that has been used to make a payment). I could have sworn that at some point in 2016 or last year that they changed the redemption level below $50 but sure as poo it is listed there when I log in. Until 20 July a Dividend cardholder can redeem for gift cards but that is going away. The card can still be used at Citi's shopping portal to maximize cash back; however, unless one plans on using this card and the shopping portal often, it will take a very long time to reach that $50 for a redemption.
Its not a bad card to PC to if you want to sockdrawer the thing for account age/utilization but it is not a great card. I think it looks better than the DC card if thats important to you 
One thing to note about Dividend...unlike BofA Cash Rewards, Discover and Chase Freedom...the catagories are not themselves capped at a certain reward amount (i.e. $1500); instead Citibank caps the annual reward to $300. So if you have enough spend in one catagory over the other you can max out the cash back reward with that one catagory.
So go with DC if you plan on really using it for the 2% cash back or go with Dividend if you can really use up the 5% on travel, home improvement and holiday purchases at department stores and/or Best Buy. As you stated about card replacement...a lot of Dividend cardholders have been getting offers to PC to DC (I am not one of those that has been offered the PC) and it is possible that eventually they may kill Dividend and force the PC but it hasn't happened yet.
@Anonymous wrote:
@wasCB14 wrote:What does the Dividend look like right now? I know it is or was a 5x card, but does it earn cash or TYs? What are the redemption options? Are the benefits pretty much the same as on DC? Does it still have rotating categories?
One factor nudging me to DC is that it's perhaps less likely to be replaced with something else.
The Dividend card is pretty crummy IMHO. It used to be a great card many years ago. Yes, it is a rotating 5% cash back catagory card; however, for me at least, the quarterly bonuses are of little or no use. I've heard the categories can be pretty strange. Right now it is 5% cash back at home improvement stores.
January through March it was gas (first time in a while they offered gas) and car hire; July through September will be movies and airlines (somewhat beneficial if you are going to be traveling). CSR will get almost all travel spend. The end of the year catagory is usually beneficial as it will be department stores and Best Buy....The categories do seem somewhat useful.
I can confirm what UncleB stated; there is a $50 minimum redemption to account credit or direct deposit (and only if you have a checking account associated with the card that has been used to make a payment). I could have sworn that at some point in 2016 or last year that they changed the redemption level below $50 but sure as poo it is listed there when I log in. Until 20 July a Dividend cardholder can redeem for gift cards but that is going away. The card can still be used at Citi's shopping portal to maximize cash back; however, unless one plans on using this card and the shopping portal often, it will take a very long time to reach that $50 for a redemption. Good to know. I may just wait for get a $50 statement credit.
Its not a bad card to PC to if you want to sockdrawer the thing for account age/utilization but it is not a great card. I think it looks better than the DC card if thats important to you
So go with DC if you plan on really using it for the 2% cash back or go with Dividend if you can really use up the 5% on travel, home improvement and holiday purchases at department stores and/or Best Buy. As you stated about card replacement...a lot of Dividend cardholders have been getting offers to PC to DC (I am not one of those that has been offered the PC) and it is possible that eventually they may kill Dividend and force the PC but it hasn't happened yet. 5% categories are sometimes useful. I have a 2.5%+ Amex and a 2.25%+ Visa. A fixed 2% MC in itself isn't of much interest. I mostly want to keep the card to reduce the effect of the recent Citi nerfs. I use price rewind aggressively, and probably did my part in bringing about the nerf to it.