The Citi Bonus Cash Center — offered by Citi, a finder.com advertising partner — lets you earn additional cash back on purchases made at participating stores. If you often buy things online, it’s worth checking out. Unfortunately, there’s only one Citi credit card that seems to be eligible for the program.
The Citi Bonus Cash Center is a website where you can use your eligible Citi credit card to make purchases at more than 400 participating stores. Depending on the store, you can earn either a fixed cashback rate of 1% to 8% on average, while some stores offer 10%, 25% or 40%, or you can earn a fixed cashback value, like $50 or $80.
Note: Cashback rates change often.
Do you need a Citi card to use the Citi Bonus Cash Center?
Yes, you need an eligible Citi credit card to earn the additional cash back. However, Citi doesn’t list which cards are eligible. Some users on Reddit and on the myFICO forums claim that only the Citi® Double Cash Card card is eligible, while others claim they didn’t have success even with that card.
The process of using the Citi Bonus Cash Center is simple. Here’s how it works:
- Log in to your online credit card account.
- Select the Citi Bonus Cash Center at the top of the page or find it under the Benefits and Services tab.
- Search the stores to find what you want and click on the store’s name.
- Use your eligible Citi card to make the purchase.
Note: You must enable browser cookies to make sure your purchase is tracked correctly.
Stores in the Citi Bonus Cash Center
Among the participating stores, you can find:
- Banana Republic
- Best Western
- Best Buy
- Calvin Klein
- Foot Locker
- Home Depot
- IHG Hotels
- Jimmy Choo
- Mac Cosmetics
- Samsung Electronics America
- Under Armour
- Verizon Wireless
- Yves Rocher US
Pros and cons of Citi Bonus Cash Center
Using the Citi Bonus Cash Center has some benefits and some drawbacks. For example:
- Works with many popular stores
- Cashback rewards
- No fees to use the service
- Citi doesn’t list which cards are eligible
- Some purchases and shipping aren’t covered with cashback rewards
Is it worth it?
If you have an eligible Citi credit card and you’re planning to make purchases at participating stores, getting additional cash back with no fees is definitely worth it.
The Citi Bonus Cash Center is a solid program if you often buy things online. The only drawback is that not all Citi credit cards are eligible for the program.
If you don’t have an eligible card or if you’re looking for a similar program, check out the Chase shopping program.