you are right quote- The great thing about the Citi Dividend credit card is that there is only an annual cap of $300 cash back, no quarterly cash back cap. In February, I made a few charges at CVS to the tune of $4,584. Earning 5% cash back per dollar comes to $229.20. To max out on my annual cap, I need to reach $300 in cash back by March 31, 2014. $300 – $229.20 = $70.80 to go. $70.80 / 5% = $1,416 = 3 Vanilla Reload Cards. Easy money, I am practically already there this month. After I reach the $300 cash back limit, I will cash out in the form of a check and put the Citi Dividend credit card in my drawer until January 2015.