Are Citi Merchant Offers any good?

Citi was late to the game, but has now introduced a very lucrative Citi Merchant Offer lineup with plenty of deals from Uber to airlines.

How do I use Citi Merchant Offers?

It is very easy. Just activate your offer in your account, use your Citi card at that merchant, and then wait for your statement credit.

Which Citi cards have Merchant Offers?

Right now, most consumer Citi credit cards have access to Citi Merchant Offers, including co-branded cards.

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The Ultimate Guide To Using Citi Merchant Offers [Earn Cash-Back!]

Updated: October 3, 2025, 2:59pm CDT

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Table of Contents

What Are Citi Merchant Offers?
What Cards Come With Citi Merchant Offers?
How To Find Citi Merchant Offers
Maximizing Citi Merchant Offers
Final Thoughts

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Everyone likes to save money, especially on planned expenses.

Banks often offer some sort of cash-back and bonus points as incentives to convince consumers to use their cards at select merchants — this is on top of the points or cash back the card normally earns.

Amex Offers and Chase Offers have been around for a while, but Citi’s foray into cash-back incentives had been noticeably absent until mid-2022.

Now, Citi Merchant Offers have been fully rolled out and Citi cardholders can add select offers to their cards to earn statement credits.

Citi Merchant Offers are still playing catchup with the likes of Amex Offers, but there is still a lot of value to be had.

Let’s take a look at this relatively new card benefit, and how you can use it to save big money!

What Are Citi Merchant Offers?

Save with Citi Merchant Offers — Image Credit: Citi

Citi Merchant Offers are cash-back deals that are linked to your Citi cards which can save you money on shopping, dining, travel, and more.

These offers vary from card to card, are added periodically by Citi, need to be manually selected by the cardholders, and come with specific terms and conditions.

Once an offer has been added and an eligible purchase has been made, Citi will add the cash back as a statement credit a few days later.

Offers can be added via the Citi website or app.

Types of Citi Merchant Offers

Citi Merchant Offers are quite wide-ranging, so Citi organizes them into 5 categories: Travel, Dining & Entertainment, Shopping, Health & Wellness, and Other.

Travel

Travel offers are sure to be a favorite of Upgraded Points readers, and fortunately, there have been some good ones recently.

Between my Citi Strata Premier℠ Card and my wife’s Citi Prestige^® Card (closed to new applicants), we have been targeted for some pretty attractive offers over the past few months.

Some examples of Citi Merchant Offers for travel that you might find in your account are:

$10 back on any purchase with Uber
$20 back on a purchase of $200 or more with Hawaiian Airlines
$20 back when you spend $100 or more on a stay at a Holiday Inn or Holiday Inn Express hotel
$50 back when you spend $200+ at a Hotel Indigo
$50 back on purchases of $500 or more with Virgin Atlantic

If you have plans to make purchases with participating vendors, this is an easy way to save 10% to 20%.

Dining & Entertainment

The Dining & Entertainment section is also quite decent, especially thanks to the number of local dining options.

Citi Merchant Offers for dining and entertainment — Image Credit: Citi

It appears that restaurants located near where your credit card is registered are prioritized over major chains, which is unique. Just beware, you likely can’t “double dip” with other dining programs as your card might be automatically unlinked after adding a Citi Merchant Offer.

The entertainment options can be quite valuable as well.

Some examples of Citi Merchant Offers for dining and entertainment that you might find in your account are:

6% back from a local restaurant
10% back from Domino’s
$10 back on a purchase of $25 or more with Uber Eats
50% back on a purchase of $8.99 or more with Cinemark Movie Club

Whether you are catching a movie or ordering dinner from your favorite takeout restaurant, you will likely find some valuable Citi Merchant Offers in your account.

Shopping

Most of the available offers fall under the Shopping catch-all category.

With everything from clothing to supermarkets, there are plenty of opportunities to save here.

Some examples of Citi Merchant Offers that you might find in the shopping section of your account are:

5% back at Sam’s Club
$15 back on a purchase of $15 or more with Spirit Halloween
$15 back on a purchase of $100 or more with MLB Shop
$15 back on a purchase of $100 or more with Fanatics
20% back on Kindle eBooks or a Kindle Unlimited subscription
$25 back on a purchase of $50 or more with Stitch Fix
$50 back on a purchase of $100 or more with Macy’s Wine Shop

As you can see, there are plenty of offers from retailers you might already be planning on spending money with.

Health & Wellness

The Health & Wellness section is a new(er) addition, and relativity weak compared to the others.

Citi Merchant Offers for Health and Wellness — Image Credit: Citi

As of writing, I only had 2 active offers:

$20 back on a purchase of $100 with Pure Barre
30% back on a purchase of $29.99 or more with Vitality Society

As Citi Merchant Offers continues to grow, I’m sure we will see more Health & Wellness options here.

Other

If the Shopping category wasn’t broad enough, there is also Other.

Although there are fewer options, the variety is very similar, often just different brands of the same type of business.

Some examples of Citi Merchant Offers that you might find in the shopping section of your account are:

$10 back on a purchase of $25 or more with Gopuff
20% back on a purchase of $6.59 or more with Allstate Roadside Services
$30 back on a purchase of $100 or more with Wine.com
20% back (up to $20) on any purchase with Norton

These categories just seem to be a way to make it easier to scroll all of the active offers, which is nice, but not very well executed.

What Cards Come With Citi Merchant Offers?

Citi has not made it clear exactly which cards are eligible for Citi Merchant Offers, but it appears that most consumer cards are eligible, including co-branded cards.

However, as a data point, my CitiBusiness^® / AAdvantage^® Platinum Select^® Mastercard^® (now the Citi^® / AAdvantage^® Business™ World Elite Mastercard^®) does not have the Citi Merchant Offers section.

If you are looking for a new Citi card, some of our favorites are:

Citi Strata Premier℠ Card

U.P. Rating

Citi Strata Premier℠ Card

Welcome OfferEarn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com
60,000 points

UP's Offer Valuation*:
$960

Annual Fee

$95

APR

19.99% to 27.99% Variable APR

Why We Like This Card

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

10x points on hotels, car rentals, and attractions booked through CitiTravel.com
3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
$100 annual hotel benefit

Cons

$95 annual fee

Read Full Review

Card Highlights

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
Earn 1X point per $1 spent on all other purchases.
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card.
No foreign transaction fees on purchases.

Financial Snapshot

APR: 19.99% to 27.99% Variable APR
Foreign Transaction Fees: None

Citi Strata Elite℠ Card

U.P. Rating

The Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Citi Strata Elite℠ Card

The Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Welcome OfferEarn 100,000 bonus ThankYou Points after spending $6,000 within the first 3 months of account opening.
100,000 points

UP's Offer Valuation*:
Up to   $1,600

Annual Fee

$595

APR

20.99% to 28.99% Variable

Why We Like This Card

The Citi Strata Elite card is a great option for frequent travelers, foodies, and those who are fans of the Citi ThankYou Rewards ecosystem thanks to its combination of bonus categories, perks, and annual credits.

Pros & Cons

Pros

12x points on hotels, rental cars, and attractions booked through Citi Travel
6x points on airfare through Citi Travel
6x points on dining on Citi Nights (Friday and Saturday nights from 6 p.m. to 6 a.m.) and 3x points on dining at all other times

Cons

$595 annual fee
Boosted dining rewards are limited to 2 nights per week

Read Full Review

Card Highlights

Earn 100,000 bonus ThankYou Points after spending $6,000 within the first 3 months of account opening
12x points on hotels, car rentals, and attractions booked on cititravel.com
6x points on air travel booked on cititravel.com
6x points at restaurants, including restaurant delivery services, every Friday and Saturday from 6 p.m. to 6 a.m. ET, and 3x points any other time
1.5x points on all other purchases
Global Entry or TSA PreCheck credit
Up to $300 annual hotel benefit
Up to $200 annual Splurge credit
Up to $200 annual Blacklane credit
4 American Airlines Admirals Club passes every calendar year
Transfer Citi ThankYou Points to partners like American Airlines
Complimentary Priority Pass membership
No foreign transaction fees

Financial Snapshot

APR: 20.99% to 28.99% Variable
Foreign Transaction Fees: None

Citi Strata℠ Card

U.P. Rating

Citi Strata℠ Card

Welcome OfferEarn 30,000 points after spending $1,000 on purchases in the first 3 months.
30,000 points

UP's Offer Valuation*:
$480

Annual Fee

APR

0% intro APR on purchases and balance transfers for 15 months, and then a variable APR 18.99% to 28.99%.

Credit Recommended

Good to Excellent

Why We Like This Card

The Citi Strata card offers a fresh way to earn Citi ThankYou Points with a $0 annual fee, allowing you to maximize your spend at gas stations, supermarkets, and more.

Pros & Cons

Pros

5x points on hotels, car rentals, and attractions booked on CitiTravel.com
3x points at supermarkets, select transit, gas and EV charging stations, and an eligible self-select category of your choice (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salon or pet supply stores)
2x points at restaurants

Cons

Doesn’t offer the best transfer ratio to Citi’s airline and hotel partners
Charges foreign transaction fees

Read Full Review

Card Highlights

Earn 30,000 bonus points after spending $1,000 in the first 3 months of account opening.
Earn 5x points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
Earn 3x points per $1 on supermarkets, select transit, gas, and EV charging stations, and an eligible self-select category of your choice every quarter (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores).
Earn 2x points per $1 at restaurants.
Earn 1x point per $1 spent on all other purchases.
No expiration and no limit to the amount of points you can earn with this card.

Financial Snapshot

APR: 0% intro APR on purchases and balance transfers for 15 months, and then a variable APR 18.99% to 28.99%.
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

Citi Double Cash^® Card

U.P. Rating

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome OfferEarn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash-back

Annual Fee

APR

17.99% - 27.99% Variable

Credit Recommended

Fair to Excellent (580-850)

Why We Like This Card

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros & Cons

Pros

Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Flexible redemption options
No annual fee

Cons

No bonus categories
3% foreign transaction fees

Read Full Review

Card Highlights

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel^® portal.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 17.99% – 27.99%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Financial Snapshot

APR: 17.99% - 27.99% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

How To Find Citi Merchant Offers

Citi does not have the most user-friendly design, as finding Citi Merchant Offers can be rather confusing on your first go. But after you’ve located them on the desktop and/or app, they are (slightly) easier to find again.

Citi Merchant Offers header — Image Credit: Citi

From a desktop, just log into your account and look for Rewards & Offers on the navigation bar at the top of the screen. Select Offers for You and then scroll down to Merchant Offers. If you have multiple cards, you will see multiple options for Citi Merchant Offers.

If you are using the Citi app, just log in and then scroll down until you see Explore Offers for You. Click on that and then look for Save with your Citi card, See Your Offers.

Once you have found an offer that you like, simply click on it and then click Add Offer.

Once you have added the offer, you can use that card to make an eligible purchase at the retailer, and your statement credit should show in your account within a few days.

Hot Tip: Make sure you add the offer before making a purchase, otherwise you will not receive the credit.

Maximizing Citi Merchant Offers

One of the best parts of these types of offers and statement credits is that you can still stack them with other offers.

Whether you have a coupon code, added another offer via SimplyMiles, clicked through Rakuten, or all of the above, you’ll receive cash-back as long as the charge hits your Citi card with the offer attached!

Final Thoughts

Citi was a little late to the game with Citi Merchant Offers, but it is playing some aggressive catch-up.

With over 100 rotating offers on any given day, Citi Merchant Offers can offer some tremendous value for no extra cost

If you have a Citi credit card in your wallet, you should take a look at your offers, as there is a very good chance you could save some money with just a few clicks!