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    Por favor, tenga en cuenta que es posible que las comunicaciones futuras del banco, ya sean verbales o escritas, sean únicamente en inglés. Estas comunicaciones podrían incluir, entre otras, contratos de cuentas, estados de cuenta y divulgaciones, así como cambios en términos o cargos o cualquier tipo de servicio para su cuenta. Además, es posible que algunas secciones de este website permanezcan en inglés.


    Please be advised that future verbal and written communications from the bank may be in English only. These communications may include, but are not limited to, account agreements, statements and disclosures, changes in terms or fees; or any servicing of your account. Additionally, some sections of this site may remain in English.

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CITI CUSTOM CASH® CARD

Special Travel Offer

Earn $ cash back

after you spend $1,500 on purchases in the first 6 months of account opening.2
Get a response in under a minute
1Important Pricing & Information +

5%or 1%Cash Back

Earn 5% cash back on your top eligible spend category each billing cycle up to $500 spent.2

Earn 1% cash back thereafter on all other purchases.2

Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.2

$Cash Back

Earn $ cash back after you spend $ on purchases in the first months of account opening.2

Plus...

No annual fee1

$0 liability on unauthorized charges

Low Intro APR on Purchases & balance transfers

Get % Intro APR for months on purchases and balance transfers; after that, the variable APR will be % - %, based on your creditworthiness.1

Balance Transfers must be completed within 4 months of account opening.

Balance Transfer Fee: Either $ or % of the amount of each credit card balance transfer, whichever is greater.1 This offer will be fulfilled as ThankYou® Points, which can be redeemed for $ cash back. 5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.2 Citi will only issue one Citi Custom Cash® Card account per person. Bonus ThankYou Points are not available if you received a new account bonus for a Citi Custom Cash® Card in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Custom Cash® Card.

2Additional Information +

CASH BACK CREDIT CARD REWARDS AND PROGRAM DETAILS

Your plans change, and with the Citi Custom Cash® Card, so does the way you earn. No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

5%

cash back on your top eligible spend category up to $500 spent each billing cycle.

5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.2

1%

unlimited cash back on all other purchases.

4% special travel offer

additional cash back on hotels and car rentals booked on Citi TravelSM portal through 6/30/2026.2

HOW CITI CUSTOM CASH® CARD WILL WORK

  • Spend

    Use the Citi Custom Cash® Card for all your purchases.

  • Earn

    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. Earn unlimited 1% cash back on all other purchases.

    Cash back is earned in the form of ThankYou® Points. This means each billing cycle, you will earn 5 points per $1 on purchases in your top eligible spend category up to the first $500 spent, and 1 point per $1 on all other purchases.

  • Redeem

    Redeem your points for cash back as a statement credit, direct deposit or check. Or explore other ways to redeem points including for gift cards, travel and Shop with Points at Amazon.com

    Repeat every month. No enrolling. Just earning.

CASH BACK CREDIT CARD BENEFITS


Automatic Account Alerts

Alerts keep you informed and stress-free. Once you've set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit, by email or directly on your mobile phone.

Tap Your Card with Contactless Pay

Shop safely with a contactless-chip enabled card. Just tap your card on the payment reader and go in seconds.

Digital Wallets

Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices.

Bank anywhere with the Citi Mobile® App

The Citi Mobile® App gives you access to your account virtually anywhere, anytime. View your current balance, available credit, your spend summary, easily make payments and so much more.

Choose Your Payment Due Date

Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.


Mastercard ID Theft Protection

Offered by Mastercard, this program helps eliminate the worry of identity theft by monitoring and alerting cardholders if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins.2

$0 Liability on Unauthorized Charges

You're completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise. For additional information on this, please visit cardbenefits.citi.com for details.

Free Access to your FICO® Score

View your FICO® Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile® App and Citi® Online. See the key factors affecting your score and more.2

Fraud Early Warning

Fraud Early Warning monitors your account for suspicious activity. If we detect a potentially fraudulent transaction, we’ll contact you to validate it and take the appropriate action to protect your account.

Citi® Quick Lock

Misplaced your card? Use Citi® Quick Lock to instantly block new charges, while allowing recurring charges to continue without disruption. It buys you peace of mind and time to find your card.


24/7 Customer Service

Our customer service representatives are available to assist you 24 hours a day, 7 days a week.


Citi Entertainment®

Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to music, sports, culinary experiences and more — from virtually anywhere.2

CITI CUSTOM CASH® CARD FAQs

Expand All

The Citi Custom Cash® Card is a Mastercard credit card that provides cardmembers with opportunities to earn cash back. Cardmembers never have to sign up for rotating bonus categories. Customers will earn 5% cash back on purchases in the top eligible spend category each billing cycle, up to the first $500 spent. After that, cardmembers will earn 1% on purchases in that category. Cardmembers will also earn unlimited 1% cash back on all other purchases. Cash back is earned in the form of ThankYou® Points. This means each billing cycle, you will earn 5 points per $1 on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and 1 point per $1 on all other purchases. Points can be redeemed for cash back as a direct deposit, statement credit, check or for gift cards, travel, or Shop with Points at Amazon.com or PayPal.

Cash back is earned in the form of ThankYou® Points. Cardmembers earn:

  • 5 points per $1 on purchases in your top eligible spend category each billing cycle, up to $500 spent and 1 Point per $1 on purchases in that category thereafter.
  • 1 point per $1 spent on all other purchases.
  • ThankYou® Points can be redeemed for cash back as a direct deposit, statement credit, check, or in a variety of other ways from gift cards to travel to Shop with Points at Amazon.com and PayPal. Redemption rates may vary.

The eligible categories are:

  • Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.2

Citi Custom Cash® Card lets you redeem your points in a variety of ways:

  1. ThankYou® Points can be easily redeemed for cash back such as a statement credit, direct deposit or check. For example, you can redeem 10,000 ThankYou® Points for a $100 statement credit, a $100 Check by Mail, or as a $100 direct deposit to your bank account.
  2. You can also redeem your points for other rewards such as gift cards, Shop with Points at Amazon, travel and more. Redemption rates may vary.
  3. There are no minimums when you redeem for a statement credit or direct deposit. Visit ThankYou.com to learn more.

What are some other benefits of the Citi Custom Cash® Card?

In addition to never having to sign up for rotating bonus categories, Citi Custom Cash® Card offers other benefits such as:
  • Add Authorized Users at no cost and earn points on purchases they make.
  • Enjoy your contactless-chip enabled card and make everyday purchases quickly and safely

How much cash back can I earn with the Citi Custom Cash® Card?

Citi Custom Cash® Cardmembers use their cash back credit card to earn 5% on the first $500 spent on purchases in your highest eligible spend category each billing cycle. And use your Citi custom card for 1% cash back on all other purchases, including purchases in the highest eligible spend category above the $500 spend, will earn an unlimited 1% cash back. There is no limit on earning cash back at 1% each month.

Is there a limit to the amount of cash back I can earn on the Citi Custom Cash® Card?

There is no limit to the amount of cash back you can earn on your Citi Custom Cash® Card. With your Citi cash back credit card, you will earn 5% cash back on up to the first $500 of purchases in your highest eligible spend category each billing cycle. For all other purchases, including purchases in the highest eligible spend category above the $500 spend, the card will function as an unlimited 1% cash back credit card.


Are there any limitations on the new customer Cash Back Reward Bonus offer?

Yes, Bonus ThankYou Points are not available if you received a new account bonus for a Citi Custom Cash Card in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Custom Cash Card. Additionally, Citi will only issue one Citi Custom Cash® Card account per person.


What is the difference between the Citi Custom Cash® Card and the Citi® Double Cash Card?

Citi Custom Cash® CardCiti Double Cash® Credit Card
With your Citi Custom Cash® card you earn 5% cash back on your top eligible spend category up to $500 spent each billing cycle and 1% thereafter PLUS an 1% unlimited cash back on all other purchases. Cash back is earned in the form of ThankYou® Points
  • 5 points per $1 on purchases in your top eligible spend category each billing cycle, up to $500 spent and 1 Point per $1 on purchases in that category thereafter.
  • 1 point per $1 spent on all other purchases.
Citi Double Cash® Credit Card offers the simple convenience of earning 2% cash back on purchases with 1% cash back when you make a purchase and an additional 1% cash back as you pay for those purchases.
Cash back is earned in the form of ThankYou® Points. This means each billing cycle, you will earn 1 point per $1 when you make purchases and an additional 1 point per $1 as you pay for those purchases.

How can I apply for the Citi Custom Cash® Card?

The application process for the Citi Custom Cash® Card is easy and straightforward. Learn more and apply online.


Is there an annual fee on the Citi Custom Cash® Card?

The Citi Custom Cash® Card does not charge an annual fee.1

For additional pricing details on the Citi Custom Cash® Card, see Pricing Details 1


What is the credit limit for the Citi Custom Cash® Card?

The credit limit for the Citi Custom Cash® Card is based on your creditworthiness and other factors.

Learn more about the Citi Custom Cash® Credit Card.


What is the APR for Citi Custom Cash®?

The standard variable APR for purchases on a Citi cash back credit card is dependent on your creditworthiness.
  1. To learn more, visit Citi.com/CustomCash
  2. To check your credit score, visit one of the 3 credit bureaus; Experian, Equifax, TransUnion, or you can receive one free credit report per year from AnnualCreditReport.com.
  3. Or call 1-855-473-4583 for assistance. TTY: Use 711 or Other Relay Service.


How does the Citi 5% cash back credit card work?

The Citi Custom Cash® cash back credit card applies a 5% cash back bonus for up to the first $500 spent in your top spending category, with each new billing cycle. With no annual fee, the Citi 5% cash back credit card also includes a low intro APR for fifteen months on all purchases and balance transfers.


What score do you need for Citi Custom Cash® card?

The Citi Custom Cash® card allows users to qualify with good to excellent credit scores. However, if you don’t meet the minimum requirements, it’s recommended to start with a secured card, like the Citi Secured Card, or to find positive ways to build your credit over time.

Apply by Phone:  1-800-362-0526

TTY:  Use 711 or other Relay Service

EXPLORE OTHER CITI CREDIT CARDS

All Credit CardsAll Credit Cards
Rewards CardsRewards Cards
Travel CardsTravel Cards
0% Intro APR Cards0% Intro APR Cards
Balance Transfer CardsBalance Transfer Cards
Cash Back CardsCash Back Cards
Business CardsBusiness Cards

*CITI CUSTOM CASH® CARD PRICING DETAILS

Introductory rate of % for months from the date of account opening on purchases and an introductory rate of % for months from date of account opening for balance transfers completed within 4 months of account opening. After the introductory period ends, your standard APR for purchases will be applied to unpaid promotional balances, new purchases and new balance transfers. The standard variable APR for purchases for th>® Card is % to % based on your creditworthiness. The standard variable APR for Citi Flex Plan is % to %, based on your creditworthiness. The standard variable APR for cash advances is %. The variable penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge — $. Annual Fee – None. Fee for foreign purchases — % of each purchase transaction in US dollars. Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.

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Important Legal Disclosures & Information

Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. and its affiliates in the United States and its territories. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States.

Terms, conditions and fees for accounts, products, programs and services are subject to change. Not all accounts, products, and services as well as pricing described here are available in all jurisdictions or to all customers. Your eligibility for a particular product and service is subject to a final determination by Citibank. Your country of citizenship, domicile, or residence, if other than the United States, may have laws, rules, and regulations that govern or affect your application for and use of our accounts, products and services, including laws and regulations regarding taxes, exchange and/or capital controls that you are responsible for following.

The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.S. in the Citigold® Private Client International, Citigold® International, Citi International Personal, Citi Global Executive Preferred, and Citi Global Executive Account Packages.

Deposit products and services are offered by Citibank, N.A., Member FDIC

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Additional Information - Citi Custom Cash® Card

Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. Citi isn't responsible for products and services offered by other companies.

Bonus Offer: Earn $ cash back after you spend $ on purchases in the first months of account opening. This offer will be fulfilled as ThankYou® Points, which can be redeemed for $ cash back. Balance transfers, cash advances, checks that access your Card Account, items returned for credit, unauthorized charges, interest and account fees, travelers checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) are not purchases. Purchases must post to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. Offer available to new Citi Custom Cash® cardmembers approved through this offer. Citi will only issue one Citi Custom Cash® Card account per person. Bonus ThankYou Points are not available if you received a new account bonus for a Citi Custom Cash® Card in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Custom Cash® Card.

Citi Custom Cash® Card Travel Portal Special Offer:
Earn an additional 4 ThankYou® Points
per $1 spent on hotel, car rental, and attractions excluding air travel through the Citi Travel℠ portal via cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 6/30/2026. The booking must post to your account during the promotional period to qualify.

This offer may overlap with other special offers in which you are currently enrolled. You must use your Citi Custom Cash® Card registered at the Citi Travel portal to earn the bonus points. For bookings made with a combination of points and your eligible Citi card, only the portion paid with your card will earn the additional points. Bonus points may take one or two billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. Citi Travel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.

Citi® ThankYou® Rewards

Summary of the Citi Custom Cash® Card Terms and Conditions

Unless you are participating in a limited-time offer, you will earn:

  • 5 ThankYou Points for each $1 you spend in your highest spend category each billing cycle up to the first $500 spent in that category. After the first $500 spent in that category during the billing cycle, you will earn 1 ThankYou Point for each additional $1 you spend. (See below for more information on the highest spend category.)
  • 1 ThankYou Point for each $1 you spend on purchases (excluding purchases made in your highest spend category as described above and transactions that do not qualify as purchases that earn Points as described below).

Citi will only issue one Citi Custom Cash® Card account per person.

Highest Spend Category

Each billing cycle we will determine your highest spend for purchases posted to your account in the following categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. Each purchase on your Card Account is assigned to a category based on the merchant category code as described below. We will calculate your total amount spent in each category, less any returns posted during the billing cycle, even if the original purchase date for the return was in an earlier billing cycle. We will use this information to determine your highest spend category. Citibank shall have the sole right to determine the highest spend category each billing cycle and their decision will be final. Once we identify the highest spend category for a billing cycle, it will not be changed, even if purchases from that category are returned in a later billing cycle.

The following definitions apply to the categories:

Restaurants

Includes purchases at cafes, bars, lounges and fast food restaurants. Excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs) and third party dining delivery services.

Gas Stations

Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.

Grocery Stores

Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code.

Select Travel

Includes airline, hotel, cruise line and travel agency purchases. Excludes timeshares, boat leases and rentals, campgrounds and trailer parks, and real estate agencies.

Select Transit

Includes car rentals, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals. Also includes merchants that sell electricity for charging an electric vehicle. Excludes bike/scooter rentals, auto clubs and insurance companies.

Select Streaming Services

Includes the following streaming providers: Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirecTV Stream, ESPN+, fuboTV, Max, NBA League Pass, Netflix, Pandora, Paramount+, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.

The above names are trademarks or registered trademarks of their respective owners and could be changed at any time. The owners of the above marks do not endorse Citibank N.A.’s services, and are not otherwise affiliated with Citibank, N.A. or any of its related entities.

Drugstores

Includes purchases made at pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs if those merchants submit purchases made in their pharmacy with the drug store and pharmacy merchant category code.

Home Improvement Stores

Includes purchases at home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries – lawn and garden supply stores and paints, varnishes and supplies stores. Excludes florists and florists' supply stores; nursery stock; wholesale construction stores; and glass stores.

Fitness Clubs

Includes membership fee and other purchases at athletic, sports and recreation facilities requiring membership such as health, tennis, and swimming clubs. Excludes fees associated with virtual services for home exercise equipment, personal monitoring devices, or fitness streaming classes.

Live Entertainment

Includes ticket purchases for live entertainment, including: concerts, live sporting events, live theatrical productions, amusement parks, and orchestras. Excludes: charitable organizations that provide live entertainment (benefits), sporting camps, sports complexes where you participate in the sport, public and private golf courses, country clubs (including membership fees), bowling alleys, movie theaters, tourist attractions, museums and art galleries.

Merchant Classification for Rewards Categories.

Merchants are assigned a merchant category code ("MCC"), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. We don't control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, we're provided an MCC for that purchase. We group similar merchant codes into categories for purposes of identifying your spend category. Sometimes you may expect a purchase to fit within a rewards category as recognized by Citi, but if the code assigned to the merchant wasn't grouped into that category, your purchase amount will not be included in the spend for that billing cycle. For example, your purchase amount would not be included in the restaurant category for purchases at a restaurant located within a retailer if the restaurant is assigned a "retailer" code instead of a "restaurant" code.  Please also note – purchases made through mobile/wireless technology may not be included in the anticipated category depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine in which category purchases are placed.

Only Purchases Earn Points

You'll earn Points for purchases using your Card Account, minus returns and refunds. Balance transfers, cash advances, checks that access your Card Account, items returned for credit, unauthorized charges, interest and account fees, travelers checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) do not earn ThankYou Points.

Open and Current Card Account

You may earn Points as long as your Card Account is open and current.

When You Will Receive Points

Points earned through a purchase with your Card Account will appear in your ThankYou Account at the end of the billing cycle in which you made the purchase. This means that Points earned on purchases made near the end of a billing cycle may take up to one additional billing cycle to appear in your ThankYou Account. (Bonus Points may take one to two additional billing cycles to post to your ThankYou Account).

Please see the Citi ThankYou Rewards Terms and Conditions for the Citi Custom Cash® Card at thankyou.com/ccterms, or call us at 1-800-THANKYOU (1-800-842-6596) to request a complete copy of the Terms and Conditions. For TTY: Use 711 or other relay service. The Terms and Conditions include redemption information on the Citi ThankYou Rewards Program.

Fraud, Misuse, Abuse, or Suspicious Activity

If we see evidence of fraud, misuse, abuse, or suspicious activity, as determined by us in our sole discretion, we reserve the right to take action against you. This may include, without limitation and without prior notice, any or all of the following:

  • Taking away your accrued Points
  • Stopping you from earning Points
  • Suspending or closing your Citi Account or ThankYou Account
  • Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages

Some examples of fraud, misuse, abuse and suspicious activity include:

  • Buying or selling Points
  • Repeatedly opening Card Accounts or Citibank Checking Accounts for the primary purpose of acquiring Points
  • Using your Card Accounts or Citibank Checking Account in an abusive manner for the primary purpose of acquiring Points
  • Using your Card Account other than primarily for personal, consumer or household purposes
  • Points redemptions that you didn't authorize

For more information, please see the Citi ThankYou Rewards Terms and Conditions for the Citi Custom Cash® Card at thankyou.com/terms

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