Sydney Garth, Credit Cards Moderator
@sydneygarth
The Citibank categories for bonus credit card rewards are gas, dining, supermarkets and American Airlines purchases, 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 Premier® Card: Restaurants, supermarkets, gas stations, air travel and hotels
- Citi Rewards+® Card: Air travel, hotels, supermarkets and gas stations.
- Costco Anywhere Visa® Card by Citi: Eligible gas, restaurants, eligible travel purchases, Costco and Costco.com purchases.
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®: Gas stations, restaurants and American Airlines purchases
- American Airlines AAdvantage MileUp℠ Card: Grocery stores (including grocery delivery services) and American Airlines purchases
- Citi® / AAdvantage® Executive World Elite Mastercard®: American Airlines purchases.
Whether a purchase falls into a card’s bonus categories depends on “Merchant Category Codes,” which are assigned by the major credit 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 pick a card that offers the opportunity to earn bonus rewards in your most frequent purchase categories. Alternatively, you might want to get a credit card that offers a flat rewards rate on all purchases, like the Citi® Double Cash Card – 18 month BT offer.

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