Citi® Dividend Q3 5% Cash Back Bonus Categories: Hilton and Airlines

Alex Cohen

Citi® Dividend cardholders, the official enrollment period for your Q3 bonus category deals just opened up on the 15th of June. Make sure you activate and enroll on Citi's website so you can earn 5% cash back! From July 1 to September 30, you'll earn 5% cash back on all Hilton properties and airline bookings - which is nice to hear if you have plans to travel but remember, the Dividend card is capped at earning only $300 each year. That's a big bummer compared to the Chase Freedom and Discover it cards with unlimited 1% cash back.

Although 5% cash back on Hilton properties and airline bookings sounds like a no-brainer to the frequent traveler, I'm not a big fan of this card. My biggest qualm is that the card only let's you earn a max of $300 in cash back every year. That's quite low for a $0 annual fee cash back card if you compare to the Freedom Unlimited or Citi Double Cash, with unlimited 1.5% and 2% respectively.


This card is no longer being offered by Citi, so if you're interested in new card I recommend airline or hotel card (if the focus is travel, of course). There's some big sign on bonuses right now, like 2 free nights at Hyatt hotels with the Hyatt credit card or 50,000 AAdvantage Points with the Citi AAdvantage Platinum Select card.

Some Important FAQs!

Q: Which Hilton properties are included?

A: The Hilton Portfolio includes Hilton Hotels & Resorts, Waldorf Astoria™ Hotels & Resorts, Conrad Hotels & Resorts™, Canopy by Hilton™, Curio – A Collection by Hilton™, DoubleTree by Hilton™, Tapestry Collection by Hilton™, Embassy Suites by Hilton™, Hilton Garden Inn®, Hampton by Hilton™, Tru by Hilton™, Homewood Suites by Hilton™, Home2 Suites by Hilton™ and Hilton Grand Vacations™.

Q: Is the max I can really earn in cash back $300 each year?"

A: Yep. It's a bummer.

Q: Do I have to enroll in order to receive 5% cash back?

A: Yes. If you enroll late you're 5% cash back rewards are earn after that enrollment date and if you never enroll, you'll end up missing all the rewards.

Q: Does Citi have calendar reminders for the changing categories?

A: They do, but it looks to be out of date and from 2016. You can check it out here to see if it works. Just a reminder, Birch is now sending push and email notifications each quarter with reminders. Bonus categories are also updated everywhere within the app to make sure you're earning the most on every purchase.


That's it! Make sure you activate ASAP and happy shopping!

About the Author

Alex Cohen

Alex is the founder of Birch and lives in San Francisco with his two dogs, Duncan and Miller, and his fiance, Sarah. Follow him on Twitter @anothercohen