Citi Custom Cash℠ Card

Earn $200 in cash back

after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

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Quick Summary

The Citi Custom Cash℠ Card allows you to earn 5% back in the form of ThankYou Points on the top monthly category of spend. You'll earn 5% cashback on the first $500 spent in that top category, and 1% after that. The nice thing - you don't have to pre-determine your top categories, Citi handles that for you.

How to Earn Rewards


Cash back (issued as ThankYou Points) on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.


Earn unlimited 1% cash back on all other purchases.

Annual Fee


Our Take

The Citi Custom Cash Card is a great opportunity to continually earn valuable ThankYou Points. If you’re a card holder of either the Citi Premier card or Citi Prestige card, you might want to consider adding the new Citi Custom Cash to your portfolio since you can combine these points into your overall ThankYou point pool.

You’ll earn 5% cash back on the first $500 spent in your top eligible category for each month’s billing cycle, and 1% after that. The following are the eligible categories:

  • Restaurants
  • Gas Stations
  • Grocery Stores
  • Select Travel
  • Select Transit
  • Select Streaming Services
  • Drugstores
  • Home Improvement Stores
  • Fitness Clubs
  • Live Entertainment

You don’t have to select which category you want to be your category for the month, it’s automatically handled for you, which is nice and convenient.

While the $500 limit might seem low, realistically if you max out the $500 category each month, that’s an extra 30,000 ThankYou Points that you can earn annually, which is more than enough to cover a round trip business class flight anywhere in North America if you’re a Premier or Prestige cardholder. You would simply transfer these points to Turkish Miles&Smiles, and book saver space on United Airlines operated flights.


Intro APR

0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.

Compared to Other Cards

Citi Premier® Card

Welcome Bonus:

60,000 bonus ThankYou® Points

after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠, portal through June 30, 2024.

Annual Fee:

$95 Learn More

Chase Freedom Flex℠

Welcome Bonus:

$200 Bonus Cash Back

after you spend $500 on purchases in your first 3 months from account opening.

Annual Fee:

$0 Learn More

Editorial Note

Content is not provided or commissioned by credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.