Dividend
CitiNo annual feeWorld Mastercard3% foreign transaction fee
Not open to new applicants.
Already have it? Keep it open: it holds a perk or an upgrade path at no cost.
Not open to applications
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend; includes a typical year of rotating 5%, if activated each quarter | +$132 |
| Annual fee | $0 |
| First year | $132 |
| Each year after | +$132 |
Earning
| Rate | Category | Return |
|---|---|---|
| 5% | Rotating categoriesThis quarter: Restaurants, Hotels, car rentals, and attractions booked through Citi Travel, excluding air travel. Up to $6,000 a year combined; requires activation. | 5% |
| 1% | Everything else | 1% |
Personal card · Earns Cash Back
Other Perks
- 0% intro APR on purchases and balance transfers
- $0 Fraud Liability
- $6,000 annual cap for 5% bonus categories (not quarterly cap like other cards)
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Citi DividendOct 8, 2026