Choose the Merchant First
Citi Splurge credits depend on the selected eligible brands for your card. Check the current merchant list before making a purchase.
How to Use
- Open the Citi benefit page and confirm eligible brands.
- Enroll or choose merchants if Citi requires selection.
- Buy directly from the eligible merchant.
- Pay with the Citi card carrying the credit.
- Track the credit and keep receipts.
Practical Use
- Use the credit for a real purchase at an eligible brand.
- Avoid assuming gift cards, third-party checkout, or marketplace purchases qualify.
- Leave time before year-end for the credit to post.
Avoid
- Buying from a related but ineligible brand
- Using PayPal or marketplace checkout if terms require direct merchant billing
- Returning the purchase before the credit is final
- Waiting until the final days of the benefit year
