While you can’t directly apply for this card anymore, the Citi Dividend is still out here providing 5% back for purchases so long as they are within their respective rotating category. Citi has just announced the categories for Q3 of 2020.
The categories for Q3 of 2020 include Home Improvement Stores and Streaming services. Home Improvement would cover stores like Lowes and Home Depot. Streaming services that are covered include: Amazon Prime Video, CBS All Access, fuboTV, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, Vudu, Youtube Premium, and Youtube TV.
Keep in mind that in order to earn in these categories, you’ll have to activate the quarter first. That can be done by either logging into your account or by calling in.
The best part about the Citi Dividend vs the Discover IT or Chase Freedom is that there is no limit on the quarter, just an overall limit per year. This means you can spend a total of $6,000 within one quarter if it’s an expensive category for you. I think Home Improvement has the potential to be a very expensive thing for most people right now stuck at home. Discover quickly added Home Depot for the remainder of Q2 to capitalize on this trend, and I think it’s a good idea for Citi to as well. Streaming is always a bit underwhelming; I doubt there are many that can spend all that much on streaming, at least not enough to make such a big impact.
What do you think about these categories? Let us know down in the comment section below.