How do I install the Citi Shop extension?

Getting started is straightforward. On desktop, grab the extension from the Chrome, Edge, or Safari web store and enroll your eligible Citi credit card as prompted. On iOS, update the Citi Mobile App, go into Safari Settings and then Manage Extensions, switch Citi Shop on, grant permissions to “always allow,” and log in to enroll. Android phones aren’t part of the Citi Shop experience yet.

Which Citi cards are eligible for Citi Shop?

Most primary Citi-branded U.S. credit cards, both personal and small business, are eligible, so long as they’re active and not in default. But if you’re swiping with a debit, Citi Retail Services, or ICG Commercial card, those won’t work. You’ll see your eligible options during enrollment.

When will my Citi Shop statement credits post?

Timing depends on the merchant. Typically, credits post between 61 and 180 days after your purchase. This delay lets merchants confirm the transaction and rule out returns. Once approved, you usually see the statement credit in 2 or 3 business days, though it could take up to 1 or 2 billing cycles to hit your statement.

How do I track my Citi Shop credits?

Use the Citi Shop dashboard, which is accessible online or through the Citi Mobile App, to follow each deal’s journey. You’ll see statuses like “pending,” “paid,” or, occasionally, “ineligible” if a purchase didn’t qualify (maybe a return or excluded item). If something seems stuck, you can submit a missing credit inquiry from the same dashboard.

Can I stack Citi Shop with other card offers?

Absolutely. In fact, that’s where savvy shoppers win. Citi Shop only cares that you enroll and activate the offer — you don’t even need to pay with a Citi card. That means you can double-dip: Use a Citi Merchant Offer and a Citi Shop deal, or even stack an Amex Offer or category bonus on another card. It’s all about combining benefits to maximize your savings.

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How To Use Citi Shop To Save Money and Earn Rewards

Updated: October 5, 2025, 3:00pm CDT

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Table of Contents

Key Takeaways
What Is Citi Shop?
How To Use Citi Shop
How To Receive Your Citi Shop Rewards
Final Thoughts

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Key Takeaways

Citi Shop partners with over 5,000 merchants for special offers.
You must have an eligible Citi credit card and enroll it to use Citi Shop.
Citi Shop provides automatic statement credits to your enrolled card after you use an offer.

Shopping online has never been easier, but the challenge is making sure you’re getting the best deal. Citi has stepped in with Citi Shop, a free tool that helps eligible Citi credit cardholders automatically find coupons, discounts, and cash-back-style rewards while shopping at thousands of online merchants.

The program can save you money, help you earn rewards, and make the checkout process more rewarding — all without requiring much extra effort. Whether you’re a casual shopper or someone who carefully maximizes every benefit on your credit cards, Citi Shop is worth a closer look.

In this guide, we’ll cover what Citi Shop is, how it works, and strategies to make the most of it.

What Is Citi Shop?

Citi Shop is a free shopping platform that launched at the beginning of 2024 and is available to those with Citi credit cards. It works as a browser extension and is also available through the Citi Mobile App. When you browse at participating online retailers, Citi Shop automatically surfaces deals — whether that’s coupon codes, cash-back offers of a fixed percentage, or cash-back offers of a fixed dollar amount — that you can activate with a single click.

Citi Shop headline banner — Citi Shop launched in 2024. Image Credit: Citi

Both personal Citi credit cards and small-business Citi credit cards are eligible. However, debit cards are not eligible for Citi Shop rewards. Once you activate an offer and make a qualifying purchase, you earn a statement credit directly on your Citi account. Importantly, these rewards are in addition to any regular rewards you’d normally earn with your Citi card, such as ThankYou Points or airline miles.

What’s the Difference Between Citi Shop and Citi Merchant Offers?

If you’ve used Citi Merchant Offers before, you might wonder how Citi Shop is different. The key difference is how you activate and earn rewards:

Citi Shop requires using the browser extension or mobile app while shopping online. You’ll see available offers while browsing and can activate them before checking out. These offers are available to anyone who has enrolled in Citi Shop.
Citi Merchant Offers are typically targeted, listed in your Citi account dashboard, and need to be manually added to your card before you shop. Not everyone sees the same offer.

Citi Shop how it works — Image Credit: Citi

In other words, Citi Shop feels more like an automated shopping assistant that actively finds deals while you shop, while Citi Merchant Offers are preselected deals you need to activate in advance.

How To Use Citi Shop

Citi Shop is available as both a browser extension and a mobile app, and it alerts you to offers when you visit participating retailers. The rewards it offers are received as statement credits when you activate deals before checkout. While it’s a convenient way to save, it’s worth comparing against other cash-back and points-earning options to ensure you’re getting the best return on your spending.

Citi Shop currently offers bonuses at over 5,000 online merchants.

Here’s a closer look at how to use it.

Citi Shop merchant sample — Image Credit: Citi

Citi Shop Browser Extension

The browser extension is the easiest way to use Citi Shop. It works on Google Chrome, Safari, and Microsoft Edge. Once installed, the extension automatically notifies you when you’re shopping at a participating store.

Install the extension from Citi’s website after logging in with your Citi account details.

Citi Shop add browser extension — Image Credit: Citi

You’ll then shop online like normal. If you’re on a participating merchant’s website, Citi Shop will display available offers. You need to activate the offer before completing your purchase.

You still pay the merchant directly at checkout. Behind the scenes, Citi tracks your purchase and applies the statement credit to your Citi account. That means you need to have cookies enabled and complete the purchase in the same browser where you activated the offer.

Different Offers for the Same Merchant

It’s worth pointing out that there are many ways to earn extra cash-back or points while shopping online. Citi Shop is just a single option among numerous choices. How do the offers stack up?

Consider a visit to Old Navy’s website, where Citi Shop was advertising 1.5% cash-back both via the browser extension and in the mobile app.

Old Navy Citi Shop Offer — Image Credit: Citi Shop via Old Navy

However, Rakuten, another popular shopping extension you can add to your browser, was offering 2% back. Even better, you can earn Amex Membership Rewards points with Rakuten and get 2 points per $1 spent there. We value Membership Rewards at 2.2 cents each, meaning this would provide a 4.4% return on spending — nearly 3 times the value of Citi Shop’s offer at the same store.

Old Navy Rakuten Offer — Image Credit: Rakuten via Old Navy

And these aren’t your only options, as Cashback Monitor highlights dozens of current offers you could use for extra rewards at Old Navy (offers available at the time of writing). It’s worth knowing your options before assuming Citi Shop has the best offer.

Cashback Monitor Old Navy offers — Image Credit: Cashback Monitor

How To Track Your Credit and Claim Missing Credits

Once you’ve made a purchase through Citi Shop, you can monitor your rewards through the Citi Shop dashboard, which is accessible both online and through the Citi Mobile App. Purchases typically show up with a status like “pending” before being finalized.

Credits can take a while to post. Depending on the merchant, it may be as quick as a few days or as long as 180 days (especially for categories like travel, where the credit doesn’t post until after your stay or service is completed). Once processed, the statement credit typically posts within 2 or 3 business days.

If a credit doesn’t post after the expected timeline, you can file a missing credit inquiry directly through the dashboard. Just keep in mind that tracking issues can sometimes happen if you’re using ad blockers, VPNs, or certain browser privacy settings — or if you have multiple browser buttons for rewards programs and activated one of those rather than Citi Shop. In that case, you won’t be able to claim credits with Citi Shop.

How To Stack With Other Offers on Your Card

One of the most powerful aspects of Citi Shop is that you don’t actually have to pay with a Citi card. That might sound strange, but it means you can stack Citi Shop offers with other credit card promotions.

Consider these examples:

If you have a targeted Citi Merchant Offer for a retailer, you could activate the Citi Shop deal and pay with your Citi card to trigger both benefits.
If you have an Amex Offer or Chase Offer at the same merchant, you could complete checkout using your Amex or Chase card. You’d still get the Citi Shop credit (since Citi Shop only requires you to click through and activate the deal) and also trigger the offer on the card you paid with.
If your card earns bonus points for spending in a specific category (like online shopping, dining, or travel), you can choose the best card to maximize both rewards and credits.

This stacking strategy can supercharge your savings, combining statement credits, bonus points, and coupons from multiple programs.

Citi Shop Mobile App

Citi Shop is also integrated into the Citi Mobile App, which can be downloaded for iOS and Android.

Once you’ve installed the app and logged in, you’ll find the Citi Shop feature within the Offers tab at the bottom. You can browse available offers, activate them, and complete purchases directly through your mobile device.

Citi Shop in Citi Mobile App — Image Credit: Citi

For iOS users, Citi Shop also works as a Safari browser extension, making it even easier to shop on mobile.

How To Receive Your Citi Shop Rewards

Citi Shop rewards come in the form of automatic statement credits. You don’t need to redeem points or request to cash out your earnings. The credits apply directly to your card account once the transaction is validated.

As mentioned earlier, the timeline for receiving credits varies by merchant. You can track each transaction’s progress in the Citi Shop dashboard, where statuses update from “pending” to “approved” to “paid.” If you run into any issues, you can also submit an inquiry about missing rewards.

In summary, as long as you activate the offer before completing checkout and complete the purchase as directed, the statement credits will automatically appear on your Citi account.

Final Thoughts

Citi Shop is a straightforward, valuable tool for Citi cardmembers who shop online. By automatically surfacing deals and rewards, it helps take the guesswork out of finding discounts while also letting you stack with other offers from Citi and even competing card issuers.

The fact that you don’t have to pay with your Citi card adds flexibility that most shopping portals and deal sites don’t provide.

Whether you install the browser extension on your desktop or use the feature through the Citi Mobile App, Citi Shop is worth setting up if you want to maximize savings on everyday purchases. It’s simple, free, and works in the background while you shop — exactly the kind of tool that can quietly add up to big savings over time.