Citi Dividend
No annual fee, earning Cash, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The Citi Dividend is a no annual fee card from Citi earning Cash. It earns 5x on gas, 5x on home improvement and 1x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Citi advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Gas | 5x | |
| Home Improvement | 5x | |
| Other | 1x | Everything else |
Questions people ask about the Citi Dividend
What is the annual fee on the Citi Dividend?
The Citi Dividend has no annual fee.
What does the Citi Dividend earn?
5x on gas, 5x on home improvement, 1x on other, and 1x on everything else, in Cash.
Does the Citi Dividend charge foreign transaction fees?
Yes — the Citi Dividend charges a foreign transaction fee on purchases made outside the United States.
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