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Chris holds a B.S. in Hospitality and Tourism Management and managed social media for all Marriott properties in South America, making him a perfect fit for UP and its social media channels. He has a ...
A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
Juan has been involved in credit cards, loyalty, travel, and personal finance for more than 10 years. He has worked for several outlets including The Points Guy and Forbes and was previously Editor-in...
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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?
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.
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.
$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.
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.
Image Credit: Citi
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.
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.
Image Credit: Citi
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.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.
Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
60,000 points
$960
$95
21.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Citi Premier® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!
Pros
3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
Access to Citi transfer partners
Annual hotel credit
No foreign transaction fees
Cons
$95 annual fee
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 1 Point per $1 spent on all other purchases
Annual Hotel Savings Benefit
60,000 ThankYou® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.
This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com.
20,000 points
$320
$0
0% Intro APR on balance transfers for 15 months and on purchases. After that, the variable APR of 18.74% - 28.74%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit Recommended (670-840)
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel(SM) portal through June 30, 2024.
0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness. 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).
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
No Annual Fee
Financial Snapshot
APR: 0% Intro APR on balance transfers for 15 months and on purchases. After that, the variable APR of 18.74% - 28.74%.
Foreign Transaction Fees: 3% of each purchase transaction in US dollars
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
$0
19.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)
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
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
Lack of premium travel benefits
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, 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: 19.24% - 29.24% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!
Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
$200
$0
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)
The Citi Custom Cash® Card is inventive when it comes to cash-back credit cards. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, without an annual fee.
Thanks to that unique perk, you’ll never need to worry about whether you’re using the right card for the right purchase, as your Citi Custom Cash card will always pay you 5% back on whichever category you end up spending the most on each month.
Pros
5% cash-back (on up to $500 each billing cycle) from your largest purchase category, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
No annual fee
Multiple redemption options
No redemption minimums
Cons
Your 5% category is limited to $500 in spend ($25 in cash-back) each month
Not particularly rewarding for any purchases outside of your top 5% cash-back category
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash® Card account per person.
Financial Snapshot
APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%.
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.
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!
The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
What are Citi Merchant Offers?
Citi Merchant Offers are cash-back deals that are linked to your Citi cards that can save you money on shopping, dining, travel, and more.
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.
Chris holds a B.S. in Hospitality and Tourism Management and managed social media for all Marriott properties in South America, making him a perfect fit for UP and its social media channels. He has a passion for making content catered toward family travelers.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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