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(Update 1/1/2017 – It’s not 2016 anymore, so try here if you’re looking for the 2017 Citi Dividend Categories)

citi-dividend-categories-2016-citi-logo

It’s the end of the year, and so it’s time to start talking about Citi Dividend categories 2016.  The Citi Dividend card is currently not available for signup as far as I can tell, and even product changing into the Citi Dividend has been postponed, though I have read that Citi may be opening up product changes later this year (EDIT: A commenter has pointed out that apparently Citi is allowing product changes now)

Citi Dividend Categories 2016 – how they work

The Citi Dividend is a cash back card that works similar to more popular cards like the Chase Freedom.  It’s a no annual fee card that earns 1% on all purchases, with a series of rotating quarterly categories that earn you 5% on purchases during that quarter.

With both cards, there is a limit of how much 5% cashback you can earn.  With Chase Freedom, you get 5% on the first $1500 of spending each quarter, or $75 each quarter ($300 for the year).  With Citi Dividend categories, there is also the $300 annual limit, but there has been no real quarterly limits.

Citi Dividend Categories 2016 5% calendar

Here is the Citi Dividend Categories 2016 calendar:

citi-dividend-categories-2016-calendar

This is fairly similar to the Citi Dividend categories 2015 calendar

For those of us with the typical churners cards, the drugstores are likely to be the biggest winners – if you have a drug store (CVS, Walgreens, Rite Aid) that will let you buy Visa gift cards, you can do the whole $6,000 in spending in that quarter, get your $300 bonus cashback, and then put the card back in the sock drawer!

Personally, I don’t have a card in order to take part in maximizing the Citi Dividend 2016 calendar, but if/when Citi opens product changes back up, I have a few Citi cards that I wouldn’t mind product changing into one!

(Thanks to Doctor of Credit and Reddit)

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