How to snag statement credits on select cards with Citi Merchant Offers
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I love when I’m able to save money on a purchase. And, if you have a Citi credit card, you may not be utilizing one of the ways your card could help you save. After all, Citi launched Citi Merchant Offers on select accounts in late 2020.
Citi Merchant Offers is similar to Amex Offers and Chase Offers. But, there are some key differences. And some Citi card accounts aren’t currently eligible. So, today I’ll discuss how to check whether your cards are eligible. Then, I’ll describe everything you need to know about using and maximizing Citi Merchant Offers.
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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 you make a purchase.
What cards provide access to Citi Merchant Offers?
Citi doesn’t have a list of cards that are eligible for Citi Merchant Offers. However, if you have an eligible card, you’ve likely received an email from Citi with the title, “You have a new way to save when you shop! See offers selected just for you.” For example, here’s the email I got in late April for one of my Citi cards:
You can also go to https://online.citi.com/US/ag/merchantoffers and check which of your Citi cards are eligible. For example, when I go to this site and log in, I see:
I have 113 available offers on both my Citi Prestige® Card and my Citi® Dividend Card. But, although Citi shows my Citi Premier® Card when I log in to check my Citi Merchant Offers, this card never shows any offers. And when I check offers for my Citi Premier Card in the app, it displays a message noting, “We are having trouble loading your offers. Please try again later.”
Other TPG staffers got the “We are having trouble loading your offers. Please try again later.” message when trying to check their offers on Citi’s website using the link above. Some cardholders have noted that the Citi Merchant Offers site is buggy, so you may indeed want to try again later.
But, not all Citi cards offer Citi Merchant Offers at this time. For example, my American Airlines AAdvantage MileUp℠ Card and AT&T Access Card from Citi isn’t currently eligible for Citi Merchant Offers. So, you may also get the “trouble loading your offers” message if none of your Citi cards are eligible. If you get this message, I recommend checking periodically or waiting until Citi sends you an email saying your card is eligible.
The information for the Citi Prestige Card, Citi Dividend card, and AT&T Access Card from Citi has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: The best Citi credit cards of 2021
How to find Citi Merchant Offers
You can see the Citi Merchant Offers that are available on your cards by going directly to this link, by navigating on Citi’s website after you log in as usual, or by 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 automatically select one of your Citi cards. If this Citi card is currently eligible for Citi Merchant Offers, you’ll see a “Save with your Citi® card” section. Otherwise, select another Citi card from the drop-down.
If you want to check your offers in the Citi Mobile app, scroll down to the bottom of the page that appears after you log in. Click on “Services” and then “Products & Offers.” You’ll see a “Merchant Offers” section at the bottom of this page. 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).
What kinds of deals does Citi Merchant Offers have?
Citi Merchant Offers breaks its offers into the following categories:
- Dining and entertainment
- Health and wellness
Here’s a quick look at the travel offers currently showing for my Citi Prestige Card.
Of course, you can’t see all the details from this view. But, for each of the offers for IHG brands, you could get $15 back when you spend $100. And you could get $250 back on a purchase of $1,000 or more with Carnival Cruise Lines.
Likewise, here are the dining offers for my Citi Prestige Card. But, 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.
My Citi Prestige Card has a lot of shopping offers currently. Here are a few of the 80 shopping offers on my card now.
Finally, here are the health, wellness and other offers on my Citi Prestige.
How to use Citi Merchant Offers
Whether you’re 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.
What to know about 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 Blvd, Jacksonville, FL, 32224.
Since I travel full-time as a digital nomad and rarely eat near my mailing address, the dining offers won’t be helpful for me. But, presumably, most consumers eat the majority of their meals close to home.
You can only enroll one card for some offers
So, even if this offer was also available on my Citi Prestige, I couldn’t use this offer on both cards.
You may need to spend the total amount in one transaction
Some offers clearly state that you must spend the required amount in one transaction to get the statement credit. For example, a Carnival Cruise Lines offer on my Citi Prestige Card requires you to “Use your eligible card for a single purchase of $1,000 or more on Carnival.com and receive a $250 statement credit.”
Some offers provide multiple statement credits
The Hello Fresh offer on my Citi Dividend card, which I mentioned above, allows you to earn $5 back up to five times. So, you can get $25 back if you make five purchases of $40 or more before the offer expires.
Some offers are limited to purchases within the U.S.
The offers for other IHG brands on my Citi Prestige include similar verbiage. So, keep this limitation in mind if you’re considering international travel.
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 already make with your card. 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)
- 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 the merchant’s rewards program, such as a restaurant rewards program, online travel agency rewards program or a hotel loyalty program
- Checking occasionally to see whether your other Citi cards are eligible
Finally, it’s important to remember that these offers may tempt you to make purchases you wouldn’t otherwise make. For example, I’ve recently 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.
Only some Citi cards are currently eligible for Citi Merchant Offers. But, it’s worth checking to see whether any of your Citi cards are eligible. After all, there are some valuable offers to be found. I recommend looking through your offers weekly to see whether any can save you money on purchases you already plan to make.
Featured image by JGI/Jamie Grill/Getty Images.
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