Avail of the Citi Cash Back Program when you use a Citi Dividend credit card. You can earn cash back on card transactions including balance transfers, cash advances and purchases. By default, you'll earn 1% cash back on your spending, but you'll also be able to jack up your cash rewards by making purchases in certain revolving categories. Citibank also has the Citi Bonus Cash Center, which allows you to shop in store or online at over 400 merchants and lets you accumulate 5% extra cash back. Get more information about the Bonus Cash Center here.