Citi Merchant Offers 2026: Travel, Dining & Shopping
The best current Citi Merchant Offers include targeted savings at Avis, Uber, Uber Eats, FuboTV, The Empire State Building, Bahia Bowls, IKEA, Pandora, UGG, Petco, and other merchants, with several offers providing statement credits or percentage-based cash back through October and beyond. Because Citi Merchant Offers are targeted and can differ by card, the offers shown in an individual Citi account are the definitive list for that card.
Citi Merchant Offers work as card-linked promotions: a cardholder activates an eligible offer, makes the required purchase with that enrolled Citi card, and receives the advertised reward as a statement credit when the transaction satisfies the offer terms. Citi itself describes the program as a way to save on shopping, dining, travel, and other purchases by enrolling in available offers before completing the qualifying transaction.
The program can be especially useful for planned purchases. A $30 statement credit on a $250 Avis rental, for example, effectively reduces the qualifying expense by 12% before you factor in the card’s normal rewards.
What Are Citi Merchant Offers?
Citi Merchant Offers are targeted promotions that provide cash back in the form of a statement credit after an eligible Citi cardholder completes a qualifying purchase.
The basic process is:
- Sign in to a Citi account.
- Open the available Merchant Offers.
- Select an offer and enroll.
- Read the spending, merchant, purchase-channel, and expiration requirements.
- Pay with the enrolled Citi card.
- Receive the statement credit after the qualifying transaction is processed.
Citi’s own card materials describe Merchant Offers as a statement-credit program covering categories such as shopping, dining, and travel.
The important distinction is that Merchant Offers are not the same as Citi Shop. Merchant Offers are activated on the card and triggered by a qualifying transaction. Citi Shop is a separate shopping program that uses a browser extension or supported shopping experience to find online discounts, coupons, and statement-credit opportunities at participating merchants. Citi says Citi Shop works with more than 5,000 online merchants.
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Which Citi Cards Get Merchant Offers?
Citi Merchant Offers are generally associated with eligible personal Citi credit cards, including cards earning ThankYou Points and certain co-branded cards. Offer availability is targeted, so one card may show a promotion that doesn’t appear on another card held by the same person.
Examples of Citi cards that can display Merchant Offers include the Citi Double Cash and certain Citi ThankYou Rewards and co-branded products. Citi’s Double Cash product page currently lists Citi Merchant Offers among its card benefits.
Small-business cards are a notable exception in the current program coverage: the reference data indicates that Citi’s small-business cards do not receive Citi Merchant Offers.
Because eligibility is targeted, the most useful rule is simple: check each eligible personal Citi card separately.
How to Find Citi Merchant Offers
Citi can place Merchant Offers inside the online account or mobile banking experience. The exact placement can vary as Citi updates its website and app.
A common route is:
Citi account → Rewards & Offers → Offers for You → Citi Merchant Offers
After selecting a card, look for an option such as See Your Offers. Some accounts may display Merchant Offers directly on the account home page instead.
Cardholders should check every eligible personal Citi card they hold because offers can differ between accounts.
For example, a $30 Avis promotion may appear on one Citi card but not another. The targeted nature of the program means a published list should be treated as a guide, not a guarantee.
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Best Current Citi Merchant Offers for Travel
Travel has historically been one of the more useful categories for Citi Merchant Offers because a single hotel, rental-car, or transportation purchase can easily meet a relatively high spending threshold.
As of October 2, 2026, the following travel offers from the latest available list remain relevant:
| Merchant | Offer | Expiration |
| Avis | $30 back after spending $250 or more | October 31, 2026 |
| Uber | $10 back after spending $30 or more | October 31, 2026 |
| Uber Eats | $10 back after spending $30 or more, up to 2 times | October 31, 2026 |
The Avis promotion is particularly straightforward. Targeted cardholders can earn $30 back after spending at least $250 in a single transaction, and they can use the offer twice during the offer cycle. The rental must be paid in U.S. dollars.
Avis: $30 Back on $250
A $250 qualifying rental would produce a $30 statement credit, equivalent to 12% back.
However, the single-transaction requirement matters. Two separate $125 transactions would not satisfy a requirement that specifically calls for a $250 purchase in one transaction.
No promotional code is necessary. After enrollment, the cardholder simply pays for the qualifying rental with the enrolled card.
Uber: $10 Back on $30
The current targeted Uber offer provides $10 back after spending $30 or more on an eligible Uber purchase. The offer expires on October 31, 2026, and you must enroll by the stated deadline.
The terms are narrower than simply saying “Uber purchases.” Eligible rides must be booked through the Uber app or website; this promotion excludes Uber Eats, Uber One, Uber Freight, Uber for Business, Uber Bike, gift cards, and rentals. You must also reach the $30 threshold after applicable discounts or Uber Cash.
Uber Eats: $10 Back, Up to 2 Times.
A separate Uber Eats offer provides $10 back after spending $30 or more, and you can use it twice for a potential $20 total statement credit. The enrolled Citi card must be linked to the user’s Uber account, and qualifying orders can be placed through the Uber Eats app or website.
This distinction between Uber and Uber Eats is important. A qualifying Uber ride does not automatically satisfy the Uber Eats promotion, and vice versa.
Best Current Citi Merchant Offers for Dining and Groceries
Dining offers can vary considerably by location because Citi Merchant Offers may include local restaurants in addition to national chains. The latest published list identifies the following current national or broadly available dining-related promotion:
| Merchant | Offer | Expiration |
| Bahia Bowls | 5% back | October 16, 2026 |
Citi cardholders should also check the offers shown for their ZIP code and individual cards, since local dining promotions may not appear in national offer roundups.
Bahia Bowls: 5% Back
The current Bahia Bowls offer provides 5% back and expires October 16, 2026, according to the latest published Citi Merchant Offers list.
The value of a percentage-based offer depends directly on spending. For example, 5% back on a $60 qualifying purchase would represent $3 in statement credits, assuming the transaction satisfies the offer’s terms.
Unlike a flat $30 credit on a $250 purchase, percentage offers may have different caps or transaction restrictions. Cardholders should therefore open the actual offer before paying rather than relying solely on a summary list.
Local Restaurant Offers
One less predictable part of Citi Merchant Offers is the availability of geographically targeted promotions. Citi may display restaurants or other businesses based on the cardholder’s location or account targeting.
That means a cardholder in New York could see restaurant offers unavailable to someone in Texas, while two people in the same city could still receive different promotions.
Best Current Citi Merchant Offers for Entertainment
Entertainment promotions can cover streaming services, attractions, sporting activities, and other leisure purchases.
As of October 2, 2026, the latest list includes:
| Merchant | Offer | Expiration |
| The Empire State Building | $10 back after spending $70 or more | October 31, 2026 |
| FuboTV | 20% back, up to $35 | October 31, 2026 |
The Empire State Building: $10 Back
Eligible cardholders can receive $10 back after spending $70 or more at the Empire State Building through October 31, 2026.
For a $70 qualifying purchase, the $10 statement credit represents roughly 14.3% back.
FuboTV: 20% Back
The FuboTV offer provides 20% back, with a maximum statement credit of $35, through October 31, 2026.
The cap means the maximum reward is reached once eligible spending reaches $175:
$175 × 20% = $35
Spending more than $175 does not create a larger credit when the offer is capped at $35.
Best Current Citi Merchant Offers for Shopping and Services
Shopping has one of the broadest selections of Citi Merchant Offers. The current list contains offers across home furnishings, footwear, cosmetics, pet supplies, electronics, and other consumer categories.
| Merchant | Offer | Expiration |
| Ashley Furniture | 1.5% back | October 16, 2026 |
| Famous Footwear | 2.5% back | October 16, 2026 |
| IKEA | 2.5% back | October 16, 2026 |
| Kylie Cosmetics | 5% back | October 16, 2026 |
| MAC Cosmetics | 4% back | October 16, 2026 |
| Pandora | 6% back | October 16, 2026 |
| UGG | 2.5% back | October 16, 2026 |
| Petco | 1.5% back | October 16, 2026 |
These percentages are based on the latest published offer list and can be targeted differently across individual Citi cards.
IKEA: 2.5% Back
A 2.5% offer can become more meaningful on a larger purchase. For example, a $400 qualifying IKEA purchase would generate $10 back if the offer has no additional cap or exclusion that changes the calculation.
Before making a large purchase, however, cardholders should confirm whether taxes, shipping, fees, gift cards, or particular purchase channels are excluded.
Pandora: 6% Back
Pandora currently has one of the higher percentage offers in the published shopping group at 6% back.
For example, $150 in qualifying spending would produce $9 in statement credits.
Kylie Cosmetics and MAC: 5% and 4%
The current list includes 5% back at Kylie Cosmetics and 4% back at MAC through October 16.
These offers can help with planned purchases, but the effective value depends on the eligible spending defined in each offer’s terms.
UGG and Famous Footwear
Both UGG and Famous Footwear currently appear at 2.5% back. Famous Footwear’s offer expires October 16, as does the UGG promotion.
For a $200 qualifying purchase, 2.5% back would equal $5.
Petco: 1.5% Back
The Petco promotion currently provides 1.5% back through October 16.
Percentage-based offers with relatively low rates are most useful when the purchase is already planned, and the cardholder would otherwise pay the full amount without a statement credit.
Citi Merchant Offers That Expired September 30
The latest source list includes several offers valid through September 30, 2026. Because the current date is October 2, they should not be treated as active promotions.
Recently expired examples include:
- Caesars Rewards — $25 back on $250+
- JetBlue — $50 back on $400+
- Luggage Forward — $48 back on $100+
- Lugless — $19 back on $50+
- Lyft — 10% back, up to $10
- Marriott — $30 back on $300+
- SIXT — 10% back on $200+, up to $20
- Sunoco — 3% back on $35+
- Turo — $25 back on $150+
- Blue Apron — $24 back on $50+
- Busch Gardens — 5% back on $80+
- ESPN — 15% back, up to $14.10
- Sesame Place — 5% back on $80+
- Dollar General — 10% back on $10+, up to $2
- Sam’s Club — 30% back on $25+
- Walmart — $5 back on $75+
These promotions may return in future offer cycles, but their September 30 expiration dates mean they should not be counted when calculating savings on an October purchase.
Current travel-rewards tracking independently supports the Marriott promotion’s expiration, which records the $30-back Citi offer as ending September 30.
How to Maximize Citi Merchant Offers
The most useful strategy is to treat Citi Merchant Offers as a discount on planned spending, rather than a reason to spend more.
Check every eligible Citi card
Because offers are targeted, one card may have a promotion that another does not. Checking only the primary card can mean overlooking another available offer.
Add the offer before purchasing
Citi’s card guidance says cardholders should explore available Merchant Offers, enroll in their favorites, and then complete the qualifying purchases described in the offer details.
Read the transaction requirements.t
A promotion may require:
- A minimum purchase
- A single transaction
- A particular merchant
- A specific website or app
- U.S.-dollar billing
- A particular number of redemptions
- Payment with the enrolled card
The Avis promotion demonstrates why this matters: its $250 threshold must be met in a single transaction.
Consider stacking with other shopping rewards
Citi Merchant Offers are card-linked, while a traditional shopping portal may require you to click through a separate portal before purchasing. Because the mechanisms differ, cardholders may sometimes combine them, although stacking is never guaranteed and you should check the individual terms.
This is one distinction tCapital One offers operate through merchant portals that require users to shop through the merchant.
Save screenshots of generous offers
Citi offers can change, and targeted promotions are not necessarily identical across cards. Saving the terms, expiration date, and reward amount can provide a useful record when making a large purchase.
Don’t spend simply to trigger a rebate
A $30 credit is not a $30 profit if the purchase would not have been made otherwise.
For example, spending $250 at Avis to obtain $30 back makes sense only if the rental itself is useful. The same principle applies to shopping, dining, subscriptions, and entertainment.
Citi Merchant Offers vs. Citi Shop
Citi Merchant Offers and Citi Shop are easy to confuse, but they operate differently.
| Feature | Citi Merchant Offers | Citi Shop |
| Main format | Card-linked offer | Shopping extension/platform |
| Reward | Statement credit | Statement credit and/or coupons |
| Activation | Add offer to eligible card | Enroll eligible card and activate available shopping offer |
| Purchase method | Follow individual offer terms | Shop through participating Citi Shop experience |
| Merchant coverage | Targeted selection | More than 5,000 online merchants |
| Best suited for | Specific planned purchases | Broader online shopping |
Citi describes Citi Shop as a program that searches for offers and coupons at more than 5,000 online merchants. Its terms define Percent Back and Amount Back rewards as statement credits applied to the enrolled card.
Therefore, shoppers should use both programs rather than assuming they are interchangeable.
Final Takeaway
Citi Merchant Offers can provide useful statement credits on purchases a cardholder already plans to make, with the current October 2026 lineup including Avis, Uber, Uber Eats, Bahia Bowls, FuboTV, The Empire State Building, IKEA, Pandora, UGG, MAC, Kylie Cosmetics, Famous Footwear, Petco, and other merchants.
The most important step is to check the actual offers attached to each personal Citi card before spending. Since the promotions are targeted, the available reward, spending threshold, redemption limit, and expiration date can differ from one account to another.
For travelers, the $30 back on $250 at Avis can reduce the cost of a qualifying rental, while Uber and Uber Eats offer smaller but potentially easy-to-use credits. Entertainment shoppers can choose from FuboTV and the Empire State Building, while the shopping category offers percentage-based savings at retailers such as IKEA, Pandora, UGG, and MAC.
Before making a purchase, activate the offer, confirm the exact terms, use the enrolled card, meet the spending requirement in the required transaction format, and complete the purchase before the expiration date. That turns Citi Merchant Offers from an easily overlooked account feature into a practical source of additional savings.
Frequently Asked Questions About Citi Merchant Offers
No. Eligibility varies by card, and offers are targeted. The current program is primarily associated with eligible personal Citi cards, while Citi’s small-business cards are not included in the Merchant Offers program described by the current reference.
No. Cardholders generally need to enroll in the available offer before completing the qualifying purchase. Citi specifically instructs cardholders to enroll in their preferred offers and then complete the stated qualifying purchases.
It depends on the individual offer. Many are single-use, while others explicitly permit multiple redemptions. The current Avis promotion, for example, can be redeemed twice, while the Uber Eats promotion can also be used twice.
Potentially. Because Merchant Offers are linked to the card rather than requiring a portal click, they can sometimes coexist with shopping-portal rewards. However, the merchant, portal, and Citi terms should all be reviewed before assuming a stack will track.
No. Offers are targeted, meaning different Citi cards can show different merchants, reward amounts, spending requirements, and expiration dates.
After signing into a Citi account, cardholders can look under Rewards & Offers and Offers for You, although Citi’s interface can place the feature elsewhere depending on the account and current website or app layout.
A purchase made after the offer’s expiration date generally will not qualify. This is why the September 30 promotions listed in the previous section should not be counted as active offers on October 2.
No. Citi Shop is a separate program designed around online shopping, coupons, and Percent Back or Amount Back offers at participating merchants.