What happened
Holders of the Citi Dividend Card who activate the third-quarter bonus online will get 5% back on gas and home-improvement purchases from July 1 through September 30, 2026. The bonus is capped at $300 per year, and that entire cap can be earned this quarter.
The 5% rate does not apply until the bonus is switched on in the Citi online account. Home improvement includes hardware and lumber stores but not florists or wholesale construction. Citi is not taking new Dividend Card applications and will not allow a product change onto the card.
Activate Q3 in the Citi account and run qualifying gas and home-improvement spend through September 30, 2026, stopping at the $300 annual bonus cap.
- Announced
- Jun 4, 2026
- Starts
- Jul 1, 2026
- Ends
- Sep 30, 2026
- Numbers
- 5%: cash back on Q3 bonus categories
- $300: annual bonus cash-back cap
- Who qualifies
- Existing Citi Dividend Cardholders who activate the quarterly bonus; the card is closed to new applicants and product changes.
- Takeaway
- If you already have the Citi Dividend Card, activate Q3 categories in your online account and use it at qualifying gas stations and home improvement stores through September 30, 2026 without exceeding the $300 annual bonus cap.