Citi Dividend Platinum Card Bonus Categories Revealed for Q4 2025

Multiple banks have credit cards with rotating bonus categories, letting you earn extra points or cash-back in categories that change every few months. With Citi, you’ll find this feature on the Citi^® Dividend Platinum Select^® Visa^® Card. And you can now activate the 5% cash-back categories for the fourth quarter of 2025.

Earning bonus cash-back each quarter requires enrolling your Citi Dividend Platinum card, which you can typically do up to 15 days before the new quarter starts.

Here’s a look at the new categories for Q4 2025 on the Citi Dividend Platinum card and how to enroll for bonus cash-back.

New 5% Cash-Back Categories on the Citi Dividend Platinum Card

Citi updates its bonus categories every quarter, so categories are active January-March, April-June, July-September, and October-December each year. You’ll be able to earn 5% cash-back with your Citi Dividend Platinum card in the available categories each quarter.

For the fourth quarter of 2025, these are the eligible categories:

• Citi Travel: Includes hotel, car rental, and attractions booked in the travel portal or by calling 833-737-1288. Excludes airfare.
• Restaurants: Includes purchases at cafes, bars, lounges, and fast-food restaurants. Excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs), and third-party dining delivery services.

Registration for the Q4 2025 categories is open, and they take effect on October 1, 2025.

Plus, through September 30, 2025, you can continue to earn in the Q2 2025 categories:

• Gas stations
• Home improvement stores

How To Earn 5% Cash-Back With the Citi Dividend Platinum Card

You must enroll your card online for the bonus categories each quarter. You won’t start earning bonus cash-back on your card unless you enroll, and the bonus earnings only kick in 2 days after enrollment — or when the new categories take effect, assuming you enrolled in advance.

Unlike other cards that earn bonus cash-back in rotating categories — such as the Chase Freedom Flex^® and Discover it^® Cash Back Card — the maximum earnings on the Citi Dividend Platinum card apply to the entire year, not each quarter. For example, you can earn 5% cash-back on up to $1,500 of spending in each quarter’s bonus categories with the Freedom Flex card, but you’ll return to the card’s normal earning rates after passing $1,500 in eligible purchases.

With the Citi Dividend Platinum card, you can earn a total of $300 in cash-back across all purchases made during the year — including the bonus cash-back from the 5% categories each quarter. The good news from this feature is that you can maximize your earnings by spending $6,000 in just 1 quarter if you find those categories particularly useful. However, you wouldn’t be able to earn any more cash-back on the card for the rest of the year, so it’s worth knowing about this limitation.

Final Thoughts

Citi has unveiled the Citi Dividend Platinum card’s 5% cash-back categories for the fourth quarter of 2025. The categories for Q4 2025 are Citi Travel and restaurants. It’s no longer possible to apply for this card; if you have it, though, remember to activate your categories each quarter to earn bonus cash-back.