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Citi Dividend Card

Estimated value every year on typical spending

$312/ year

Every year, after the annual fee. No welcome bonus.

+$312rewards−$0annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit Citi

Is it worth it?

With no annual fee, the Citi Dividend Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.

The fine print

Intro APR
Not listed
Regular APR
Not listed
Foreign fee
Not specified
Rewards paid as
Cash back
Approval
Good credit recommended
Redeem for
Statement credit · Direct deposit · Gift cards

Rewards

  • 5% cash back at Citi Travel Site and restaurants during the promotional period

Sign-up bonus

Not specified

Best for

  • Keeping costs at $0

Not ideal for

  • Frequent international travelers

Trade-offs: No annual fee ↔ lower category bonuses.

Worth knowing

Annual fee
$0
Intro APR
Not listed
Regular APR
Not listed
  • $1200/mo on everyday spending earns about $144/year (1%).

Offer history

No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.

All recent card changes

Citi Dividend Card: questions people ask

Is the Citi Dividend Card worth it?

With no annual fee, the Citi Dividend Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.

What is the Citi Dividend Card annual fee?

The Citi Dividend Card has no annual fee ($0).

What does the Citi Dividend Card earn?

5% cash back at Citi Travel Site and restaurants during the promotional period.

What credit score do you need for the Citi Dividend Card?

The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.

Does the Citi Dividend Card charge foreign transaction fees?

The issuer's page doesn't say. Check before using it abroad.

Similar cards

Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.