More cards added to Citi Merchant Offers: How to snag statement credits on travel, dining and more

May 10, 2022

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Citi launched Citi Merchant Offers on select accounts in late 2020. But recently, Citi rolled out Merchant Offers to most, if not all, Citi credit cards. And these offers can save you some serious money on purchases you may already be making.

Citi Merchant Offers is similar to Amex Offers and Chase Offers, but there are some key differences. And you can sometimes stack Citi Merchant Offers with online shopping portals and SimplyMiles. So, in this guide I’ll discuss everything you need to know about using and maximizing Citi Merchant Offers.

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In This Post

What is Citi Merchant Offers?

Citi Merchant Offers is a program that provides statement credits when you make select purchases with your Citi card. As with Amex Offers and Chase Offers, you must add an offer to your card before making a purchase.

Related: Why you should double down with the Citi Premier and Citi Rewards+

What cards provide access to Citi Merchant Offers?

Citi doesn’t have a list of eligible cards for Citi Merchant Offers. But most (if not all) Citi credit cards now provide access to Merchant Offers. Go to to check which of your Citi cards have Merchant Offers. For example, when I go to this site and log in, I see:

Citi Merchant Offers
(Screenshot from

When I select each of my five Citi cards in the drop-down menu, I now see over 100 available offers for each card.

We’re currently only able to confirm the availability of Citi Merchant Offers on personal accounts. When I log in to my CitiBusiness account using the above link, the site displays an error message.

Citi Merchant Offers
(Screenshot from

Related: Citi Premier: Should this be your next card?

How to find Citi Merchant Offers

You can see the Citi Merchant Offers available on your cards by going directly to this link, navigating Citi’s website after logging in to your account or looking on Citi’s mobile app. Clicking the above link is easiest, but here’s how to see Citi Merchant Offers via the other two methods.

If you want to look at your offers on Citi’s website, log in to your Citi card account. Then, hover over “Rewards & Offers” on the top menu and select “Offers for You.” If you have more than one Citi card, this page will show offers for each card. Currently, this page shows “Save with Citi® Merchant Offers” on my Citi Premier® Card as the featured offer.

Citi Merchant Offers
(Screenshot from

But you can also select a specific Citi card from the drop-down and then click on “See My Offers” under the “Save with Citi® Merchant Offers” section. However, sometimes doing so will take you back to your Citi account homepage instead of your Merchant Offers. If this happens, try using this direct link to your merchant offers.

Citi Merchant Offers
(Screenshot from

If you want to check your offers in the Citi Mobile app, log in and click on “Services” at the bottom of the homepage. Next, click on “Products & Offers.” You’ll see a “Merchant Offers” section at the bottom. Click on “See all” to see the offers on your eligible Citi cards. You can swipe left on the card at the top to see offers on a different Citi card (if you have more than one Citi card).

Citi Merchant Offers on Citi Mobile app
(Screenshot from Citi Mobile)

Related: Why upgrade from Citi Rewards+ to Citi Premier?

What kinds of deals does Citi Merchant Offers have?

Citi Merchant Offers divides its offers into the following categories:

  • Travel.
  • Dining and entertainment.
  • Shopping.
  • Health and wellness.
  • Other.

Here’s a quick look at the travel offers currently showing for my Citi Premier Card.

Citi Merchant Offers
(Screenshot from

Of course, you can’t see all the details from this view. But, you could potentially stack the Uber offers with SimplyMiles offers to earn Loyalty Points, American miles and cash-back rewards on Uber purchases. And you could earn $10 back on your next BP or Amoco gas purchase of $20 or more when you use the BPme app.

Likewise, here are the dining offers for my Citi Premier Card. Note that most of the dining offers are only valid at a specific location. So, if you don’t frequently dine near your mailing address, you won’t be able to use most of these dining offers.

Citi Merchant Offers
(Screenshot from

My Citi Premier Card has a lot of shopping offers currently. Here are a few of the 92 shopping offers on my card now.

Citi Merchant Offers
(Screenshot from

Finally, here are some of the health, wellness and other offers on my Citi Premier Card.

Citi Merchant Offers
(Screenshot from

Related: Earn even more rewards by adding this 1 small step to your online shopping routine

How to use Citi Merchant Offers

Whether using the app or website, you can click “See Details” on any offer. Doing so will open a page with all the details you need to decide whether the offer is right for you.

Citi Merchant Offers
(Screenshot from

If you might want to use the offer, click the “Add Offer” button to add the offer to your card. However, read the offer details and terms of use when enrolling so you understand the offer’s specifics.

Related: Chase Sapphire Preferred vs. Citi Premier: Which mid-tier travel card is better?

What to know about Citi Merchant Offers

As I mentioned in the previous section, it’s essential to read the offer details and terms of use for each offer. In particular, here are some things to look out for when using Citi Merchant Offers.

Some offers are only valid at specific locations

Many of the dining offers are only valid at a specific location. For example, the following Denny’s offer is only available if I dine at the Denny’s located at 13874 Beach Boulevard in Jacksonville, Florida.

Citi Merchant Offers
(Screenshot from

Since I travel full time as a digital nomad and rarely eat near my mailing address, most dining offers aren’t helpful for me. But, presumably, most consumers usually dine close to home.

Related: Best credit cards for dining

You can’t stack promotions for some offers

My Citi Premier Card has an offer for the Motley Fool Stock Advisor service that allows you to earn $50 back on a purchase of $99. But the terms of use state, “Offers may not be stacked or combined with other promotions.”

Citi Merchant Offers
(Screenshot from

So, if you click through an online shopping portal or enroll the same card in a SimplyMiles offer for Motley Fool, you may not get a statement credit through Citi Merchant Offers.

Some offers may only be for select users of a service

My Citi Premier Card has an offer for Rover, a service that connects pet sitters and dog walkers with pet owners.

Citi Merchant Offers
(Screenshot from

However, the offer’s terms of use note the offer is only for “Rover users in good standing who have not booked on in past 12 months using the enrolled Mastercard.” So, if you’ve used your card in the last 12 months on Rover, you won’t get the $10 statement credit.

You can redeem some offers multiple times

I have an offer for Pilot and Flying J on my Citi Premier Card for 3.5% back on an in-store purchase of $25 or more.

Citi Merchant Offers
(Screenshot from

Interestingly, the terms of this offer specifically note that the offer “may be redeemed multiple times per customer.” So, you could get 3.5% back on more than one fill-up of $25 or more.

Related: Gas price shock: Here’s how to save at the pump

You can add the same offer to multiple cards

Citi does not have any restrictions about redeeming the same offer on multiple cards. So, for example, if you have three Citi cards showing an offer for Uber, you can add and redeem that offer on all three cards. Chase Offers also allows the same offer to be added to multiple cards. Amex Offers, on the other hand, restricts its offers to one enrollment per card.

How to maximize Citi Merchant Offers

If you’re going to use a Citi Merchant Offer, you may wonder how to maximize your purchase. First off, it’s best to use Citi Merchant Offers for purchases you’d make even without the offer. But you can also maximize Citi Merchant Offers by:

  • Enrolling and using your Citi card that offers the highest earning rate for the merchant’s category.
  • Clicking through an online shopping portal before making a purchase online (unless the offer says you must use a specific link or that you can’t stack promotions).
  • Enrolling your cards in SimplyMiles and checking whether you can double dip before purchasing.
  • Checking weekly for new offers on your eligible cards (go ahead and add offers you might use to your cards, so you don’t forget).
  • Enrolling in loyalty programs from restaurants, online travel agencies and hotels.

Finally, it’s important to remember that these offers may tempt you to make purchases you wouldn’t otherwise make. For example, I’ve purchased wine and meal preparation kits that I wouldn’t have otherwise ordered due to Amex Offers. I considered my out-of-pocket cost after the Amex Offers and decided these purchases were worthwhile. But it’s essential to consider the all-in cost of your purchases before buying.

Related: How credit card merchant offers can save you hundreds of dollars every year

Bottom line

Now that most, if not all, Citi cards are eligible for Citi Merchant Offers, it’s worth checking your offers. But don’t check just once. I recommend looking through your offers weekly to see whether any can save you money on purchases you already plan to make.

Featured photo by Westend61/Getty Images.

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