Citi Dividend Platinum Card Bonus Categories Revealed for Q1 2025

Updated: December 15, 2024, 8:00am CST

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New 5% Cash-Back Categories on the Citi Dividend Platinum Card
How To Earn 5% Cash-Back With the Citi Dividend Platinum Card
Final Thoughts

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Multiple banks have a credit card 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 first 3 months 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 Q1 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 first quarter of 2025, these are the eligible categories:

Amazon.com
Select streaming services, including Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirecTV Stream, ESPN+, fuboTV, Max, NBA League Pass, Netflix, Pandora, Paramount+, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal

Registration for the Q1 2025 categories is open from December 15, 2024.

Citi Dividend categories Q1 2025 — Image Credit: Citi

Plus, through December 31, 2024, you can continue to earn in the Q4 2024 categories:

Restaurants: Includes cafes, bars, lounges, and fast-food restaurants; excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels and stadiums, and third-party dining delivery services.
Citi Travel Purchases: Excludes flights; eligible transactions include hotel, car rental, and attractions only and must be booked through Citi Travel online or by phone.

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.

Bottom Line:

You can earn 5% cash-back with the Citi Dividend Platinum card, and the eligible categories change every 3 months. You can earn up to $300 in cash-back with this card each year, whether you earn it all in 1 quarter or space it out over the course of the year.

Final Thoughts

Citi has unveiled the Citi Dividend Platinum card’s 5% cash-back categories for the first quarter of 2025. The categories for Q1 2025 are Amazon.com and select streaming services. 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.

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Discover it^® Cash Back Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi^® Dividend Platinum Select^® Visa^® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.