Citi Custom Cash® Card

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Current Offer

$200

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.

Annual Fee: $0

Terms Apply.

How to Earn Rewards

5%

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

4%

Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.

1%

Cash back on all other purchases

Our Take

The Citi Custom Cash card offers a flexible rewards structure that automatically adapts to your spending habits. Each billing cycle, you’ll earn 5% cash back in your top eligible spending category, up to the first $500 spent, with 1% cash back thereafter. This 5% category is determined automatically based on where you spend the most, eliminating the need to activate or track rotating categories. For all other purchases, you’ll earn an unlimited 1% cash back.

What makes this card particularly valuable is that cash back is earned in the form of ThankYou® Points, with the same earning structure of 5 points per $1 in your top category (up to $500) and 1 point per $1 on everything else. These points become even more versatile when paired with a Citi Strata Premier℠ Card account, as you can then transfer them to Citi’s airline and hotel partners, potentially increasing their value beyond the standard cash back rate.

With no annual fee, this is a good card to add to your Citi card strategy alongside the Citi Strata Premier.

The information related to Citi Custom Cash® Card has been collected by 10xTravel and has not been reviewed or provided by the issuer or provider of this product or service.