In today's digital-first world, where most purchases happen online or through apps, the requirement to save money is no longer about clipping coupons or waiting for seasonal sales; rather, smart shoppers leverage built-in credit card perks to get cash back from purchases they were already planning on making. One of the most underrated tools to do so is Citi Merchant Offers.

The targeted merchant deals from Citi let cardholders unlock additional savings throughout their travel, dining, entertainment, and retail purchases-all often with just a single click before checkout. Odds are high that you have a Citi credit or debit card and aren't activating these offers, thus leaving money on the table.

The following guide breaks down how Citi Merchant Offers work, which cards are eligible, how to find them, and then highlights some of the most valuable deals available right now.

What are Citi Merchant Offers?

Citi Merchant Offers are card-linked discounts that provide either statement credits or cash back for qualifying purchases with participating merchants. Unlike traditional shopping portals, which require clicking through a special link, Citi's offers are applied directly to your card upon activation.

After you have enrolled in an offer, all you need to do is pay with the eligible Citi card. If your purchase meets the terms, then the reward credit is posted to your account: no promo code or extra steps needed.

These offers change frequently and are personalized, so two cardholders may see totally different deals even if they hold the same card.

Which Citi Cards are Eligible for Merchant Offers?

Most personal Citi-branded and co-branded credit cards are eligible for Citi Merchant Offers, including those that earn Citi ThankYou® Points and airline co-branded cards.

Some commonly eligible cards include:

• Citi Strata Premier℠ Card
• Citi Double Cash® Card
• Citi Custom Cash® Card
• Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi debit cards usually are eligible, too, but there are some exceptions. A major one is the Costco Anywhere Visa® Card by Citi, from the same issuer, which usually does not show Merchant Offers. Also, Citi’s small-business credit cards are not currently part of this program.

Since offers are targeted, selection may vary between cards in your wallet.

Citi Merchant Offers: How to Access Them

While not as obviously publicized as similar programs from American Express or Chase, Citi Merchant Offers are easy to find once you know where to look.

Option 1: Direct Navigation

If you are already signed in to your Citi account, you might be able to reach the Merchant Offers directly from the page that is dedicated to offers.

Option 2: Via the Citi Account Menu

• Log in to your Citi account
• Click "Rewards & Offers" in the top menu
• Tap "Offers for You
• Select a card on your account list
• Look for a “See Your Offers” button.

You will then be taken to a dashboard that lists all available Citi Merchant Offers for that card.

Note that Citi frequently updates its interface so some users may also see Merchant Offers listed directly on their account homepage, often near the bottom.

Note: Unless otherwise specified in the terms, each offer may be used once per property.

Citi Merchant Offers vs. Citi Shop: How Do They Differ?

It's easy to confuse Citi Merchant Offers with Citi Shop, but they work very differently.

• Citi Merchant Offers require one to activate the deal on their card and then pay normally.
• Citi Shop is the browser extension that makes looking for promo codes or earning cash back much easier by redirecting you to retailer websites.

One big benefit of Citi Merchant Offers is that they often can be stacked with other shopping portals or coupon codes, really maximizing your total savings.

Top Citi Merchant Offers for Travel Purchases

Travel-related expenses also tend to be high-ticket items, which makes them ideal candidates for extra cash back. Current Citi Merchant Offers include deals on airfare, car rentals, fuel, and luggage services.

Examples of travel-focused deals available right now include:

• Cashback on booking airline tickets
• Save on Car Rental Reservations
• Statement credits for luggage shipping services
• Rewards on fuel purchases made at major gasoline stations.

From flight bookings to car rentals to getting ready for an extended journey, these deals will make it easy to save money on total travel expenses.

Deals on Dining and Groceries that Add Up Quickly

Food is one of the most consistent monthly expenses for most households, and Citi Merchant Offers frequently include popular restaurants, meal kits, and delivery services.

Recent dining and grocery deals include:

• Cash back at fast-casual restaurants, percentage-based
• Statement credits on meal kit subscriptions
• Additional savings on grocery delivery platforms
• Food discounts at national chains

While the individual rewards might be small, stacking these offers throughout the month can equate to noticeable savings, especially for families or frequent takeout customers.

Entertainment and Streaming Savings

Entertainment expenses can slide by under the radar, but Citi Merchant Offers often include opportunities to save on experiences and subscriptions.

The current entertainment-oriented offers may involve:

• Cash back on streaming services
• Discounts for theme park tickets
• Statement Credits for Live Event Purchases
• Savings on family attractions and experiences

These offers are particularly valuable for families taking vacations or consumers who manage many monthly subscriptions.

Retail and service offers worth activating

Citibank Merchant Offers also extend into day-to-day shopping categories, including clothing, electronics, beauty products, and personal services.

Consumers can often find:

• Cash back at major department stores
• Discounts on Electronics and Tech Accessories
• Beauty & skincare rewards
• Savings on eye wear and wellness products

Because retail deals change often, it's a good practice to always check your Citi account before making any purchase, whether online or in-store.

How You Can Maximize Value From Citi Merchant Offers

To save even more, consider the following methods:

• Check offers before shopping:  Make it a habit to browse your Citi offers before completing any purchase.
• Activate early: Offers must be added to your card before checkout to qualify.
• Stack when possible: Combine Merchant Offers with retailer sales, promo codes or shopping portals.
• Use the right card: Some offers may vary by card, so check each eligible account.
• Track expiration dates: many offers are time-sensitive and tend to expire quickly.

Being proactive can convert these targeted deals into consistent savings throughout the year.

Why You Should Pay Attention to Citi Merchant Offers

While not the flashiest, Citi Merchant Offers represent a supremely useful set of benefits due to their simplicity and stackability. With no need to click through external links, cardholders can enjoy truly effortless savings on purchases they already plan to make.

From travel and dining to entertainment and retail, Citi keeps on extending merchant partnerships that give users more opportunities to stretch their spending power.

Final Takeaway 

Citi Merchant Offers are a low-effort, high-value extra cashback earning opportunity in 2026 for everything from booking travel to ordering food, shopping online, or paying for entertainment; these targeted deals can quietly bump up your savings with very little time investment.

Just remember: turn the offer on before you pay. With that single step, you can transform everyday spending into smarter, more rewarding purchases one transaction at a time.