JULY – AUGUST – SEPTEMBER 2026

Earn 5% cash back at

Gas Stations

Home Improvement Stores

*This offer starts within two business days of when you enroll, or July 1, 2026, whichever is later, and ends on September 30, 2026 (the “offer period”). During the offer period, you will earn an additional 4% cash back on purchases at Gas Stations and Home Improvement Stores. Your total annual (calendar year) cash back is limited to $300 and includes additional cash back earned in connection with this offer.

Gas Stations: Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.

Home Improvement Stores: Includes purchases at home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries – lawn and garden supply stores and paints, varnishes and supplies stores. Excludes florists and florists’ supply stores; nursery stock; wholesale construction stores; and glass stores.

Merchant Category Codes: Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. We don’t control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, we're provided an MCC for that purchase. We group similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category, as recognized by Citi, your purchase will not qualify for additional rewards. Please also note – purchases made through mobile/wireless technology may not earn additional rewards depending on how the technology is set up to process the purchase. Citi reserves the exclusive right to determine which purchases qualify for additional rewards.

Purchases must post to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. Citi is not responsible for when a merchant posts a purchase to your account.

Offer excludes balance transfers, Citi Flex Loans, cash advances, checks that access your Card Account, items returned for credit, unauthorized charges, interest and account fees, traveler’s checks, foreign currency purchases, money orders, wire transfers (and similar cash like transactions), lottery tickets, and gaming chips (and similar betting transactions). With Citi Flex Pay, you continue to earn rewards on your original purchase as you normally would.

In order to qualify for this offer, the account must be open and current at all times. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer.

You may receive more than one communication regarding this bonus offer with a reply-by-date mentioned within; however, if you have already enrolled in this offer, no further action is required. This promotional offer is non-transferable and applies to the account ending in the last 4 digits referenced in this offer.

Citibank is not responsible for products and services offered by other companies.

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