New Citi Merchant Offers for Credit Cards

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Last updated on September 29th, 2022

Citi has an exciting new feature for credit cardholders. The Citi Merchant Offers marketplace provides discounts on select shopping, dining, and other categories. Here is what you need to know about Citi Merchant Offers and which Citi credit cards are eligible for this benefit.

This post may contain links from partner offers, and we may receive compensation when you click on links to these offers. Please see our advertiser and editorial disclosures above for more information. Citi is an advertising partner.

What are Citi Merchant Offers?

Citi Merchant Offers is a new deals program that provides statement credits or bonus ThankYou points when making eligible purchases with a Citi credit card. The Merchant Offers program is similar to other offers programs from big banks, such as Amex Offers or Chase Offers, and provides dozens of special, variable offers for Citi cardholders.

On average, cardmembers can save 15% with these offers and eligible cardmembers may see up to 200 Merchant Offers on their page, across a large variety of categories including Travel, Dining and Entertainment, Shopping, Health and Wellness, and more. Since launching the pilot for Merchant Offers in 2020, consumer interest continues to grow, with the four most popular redemption categories being Grocery, Retail, Travel, and Fuel.  

Where to Find Merchant Offers

Finding Citi Merchant Offers is simple. You can locate Merchant Offers through the Citi website or via the Citi mobile banking app. The offers are located within the “Services” section of the mobile app.

After clicking “Services” on the app home page, select “Products & Offers” and scroll to the bottom. Towards the bottom of the page is “Merchant Offers.” Click on “See all” to view offers on your eligible Citi cards. If you have multiple Citi cards, you can cycle through eligible offers for each card on this page.

Who Is Eligible for Citi Merchant Offers?

Anyone with a Citi credit card is eligible for Citi Merchant Offers. Like other merchant programs from other banks, such as Amex Offers or Chase Offers, Citi Merchant Offers are available to any Citi credit card.

That doesn’t mean that every Citi cardmember will receive every offer. Nor does it mean that every merchant offer applies to every card member. If you have an eligible Citi credit card and received a Citi welcome email or letter (as shown below), you are likely eligible for Merchant Offers

guide to citi merchant offers

Suppose you have a Citi credit card that earns ThankYou points. You might receive offers that provide additional points on bonus spends in select categories, with select merchants, or on eligible transactions. 

Currently, the following cards earn Citi ThankYou Reward points:

Card Features Annual fee

Citi Rewards+® Card
  • Earn 2 ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 per year and 1 point per $1 spent thereafter
  • Earn 1 ThankYou® Point per $1 spent on all other purchases
  • The only credit card that automatically rounds up to the nearest 10 points on every purchase.
  • 10 percent Points Back Get 10% Points Back when you redeem, up to the first 100,000 points redeemed per year
No annual fee

Citi Premier® Card
  • 3X ThankYou® Points per dollar spent at restaurants, supermarkets, gas stations, air travel and hotels
  • 1X ThankYou® Point per dollar spent on all other purchases
  • No limit to how many points you can earn, and they never expire

AT&T Access Card from Citi
  • Earn 2 points per $1 spent on purchases made online at eligible retail and travel websites
  • Earn 2 points per $1 spent on products and services purchased directly from AT&T
  • Earn 1 point per $1 spent on other purchases, like pumping gas, buying groceries, and other everyday purchases
No annual fee

Other Citi credit cards that are eligible for Merchant Offers include the American Airlines AAdvantage cards, the Citi Prestige and Dividend cards (no longer accepting new applicants), the Costco Anywhere Visa® Card, and others. 

Cash Back Cards That Earn ThankYou Points

Card Features Annual fee

Citi Custom Cash℠ Card
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No annual fee

Citi® Double Cash Card
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
No annual fee

To check if your Citi credit card is eligible for the Merchant Offers feature, log in to your Citi account, or click this link.

Related Article: What are Your Credit Card Points Worth?

How Do Citi Merchant Offers Work?

Merchant Offers works by first providing select offers to eligible cardmembers, as mentioned above. Once you spot an offer that appeals to you, add it to your Citi card and make the eligible purchase as outlined in the terms and conditions.

Once the offer is added to the card and the purchase made, the cash back or ThankYou point bonus will be added to your card account, typically within the same billing cycle. Occasionally, offers may take up to six weeks to apply to card statements.

Some Citi Merchant Offers provide more than one cash back or ThankYou Points bonus. While many offers expire after a single transaction, others are valid for multiple transactions.

How can cardmembers access Merchant Offers? Here is how Citi Merchant Offers works:

  1. Log on to Citi through or the Citi mobile app
  2. Navigate to the “Citi Offers For You” page to see the full list of eligible Merchant Offers
  3. Select an offer to see more details and to add the offer to the account
  4. Continue to spend normally! Cash back will be reflected on the account within a few days of the purchase

Types of Merchant Offers

There are currently five types of Merchant Offers:

  • Travel
  • Dining & Entertainment
  • Shopping
  • Health & Wellness
  • Other

Can You Stack Deals with Citi Merchant Offers?

Citi Merchant Offers should be stackable with the various shopping portals available. Since you add the offer to the card and are only required to use the card — not follow a specific link like some Amex offers — you should be able to double-dip offers.

Often, shopping online makes stacking coupons much more manageable. Online shopping portals are an excellent resource for combining offers and ensuring you get the best value on purchasing items. Often, shopping online makes stacking coupons much more manageable. Online shopping portals are an excellent resource for combining offers and ensuring you get the best value on purchasing items.

Related Article: How to Save Money Online with Coupon Stacking

FAQs About Citi Merchant Offers

Here are some answers to other commonly asked questions about Citi Merchant Offers:

  • There isn’t a known cap on the number of offers you can add, but with programs like Amex Offers the limit is usually around 100 offers per card at one time.
  • The Citi Merchant Offers fine print states that if the credit card is enrolled in “another program” it may be removed from that “other program”. This implies that trying to stack offers from dining programs with Merchant Offers will not work. 
  • Try BestCards Membership today. The members-only shopping portal is free to join and features hundreds of thousands of deals from over 10,000 merchants. 

Featured photo by Thom Bradley / Burst

About: Cory
Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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