A new Walmart Citi Merchant Offer just dropped, and it's one of the best we've seen from Citi in months. If you've got a Citi credit card sitting in your wallet, this one's worth activating right now.
The Walmart Citi Offer Details
Here's what you're getting:
- Earn 10% back on purchases made through walmart.com or the Walmart mobile app
- Maximum statement credit: $10 (spend $100 to max out)
- Expiration date: March 31, 2026
- How to activate: Log into your Citi account and check Citi Merchant Offers
The beauty of this offer is the flat 10% return. Whether you're buying groceries, household essentials, or even gift cards, that 10% adds up fast.
How to Maximize This Offer
The Gift Card Strategy: Walmart gift cards have historically triggered similar offers from American Express, and early reports suggest they work with this Citi offer too. We haven't personally confirmed digital gift cards, but physical Walmart gift cards ordered online should process just fine. This lets you lock in the discount now and use the credit whenever you need it.
Stack It: Don't forget you can layer this offer with:
- Cash back portals (Rakuten, TopCashback often have 1-2% for Walmart)
- Credit card category bonuses (if your Citi card earns bonus points on online shopping)
- Walmart+ savings if you're already a member
Important Limitations to Know
The terms specifically exclude e-wallets like PayPal and gift card purchases, though enforcement varies. If Walmart processes your online order in multiple transactions, you'll only earn the credit on the first one that meets the offer criteria.
Which Cards Get This Offer?
Citi Merchant Offers appear differently across cardholders. Check all your Citi cards (personal and business) since the offer doesn't always show up on every account. We've seen reports of it appearing on the Citi Double Cash Card, Citi Premier, and various co-branded Citi cards.
Don't have a Citi card yet? Consider picking up the Citi Double Cash for everyday spending or the Citi Custom Cash if you want 5% back in your top spending category. Both would let you access these merchant offers going forward. Check out our guide to the best Citi credit cards to find the right fit.
This offer expires March 31, 2026, so you've got a limited window. Head to your Citi account, activate the offer, and knock out that $100 spend to lock in your $10 back.
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