Chip Lupo, Credit Card Writer
@CLoop
The Citibank categories for bonus credit card rewards are gas, dining, supermarkets and American Airlines purchases, among other categories, depending on the card. When cardholders make purchases that qualify for their Citibank card’s bonus categories, they earn extra rewards compared to the card’s base rewards rate.
Citibank Credit Card Categories for Bonus Rewards
- Citi Custom Cash® Card: Custom categories like restaurants, gas stations, grocery stores, select travel, transit and streaming services, drugstores, home improvement stores, fitness clubs and live entertainment. Citibank determines which of these categories you spent the most in each billing period and you get supplemented rewards in that category compared to the card's base earning rate.
- Citi Strata Premier® Card: Restaurants, supermarkets, gas stations, air travel and hotels
Whether a purchase falls into a card’s bonus categories depends on “Merchant Category Codes,” which are assigned by the major card networks to merchants based on what kind of business they conduct. So, if a merchant has the MCC for “gas,” for example, purchases made at that merchant with cards that include “gas” as a bonus category will earn bonus rewards.
If you’re looking to get a rewards credit card from Citibank, it’s a good idea to choose a card that offers the opportunity to earn bonus rewards in your most frequent purchase categories.
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People also ask
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