CITI CUSTOM CASHSM CARD Earn more cash back on your top eligible spend category


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

This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

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

Citi will only issue one Citi Custom CashSM Card account per person. You will qualify for the bonus offer only if you have not received a bonus offer for opening a new Citi Custom CashSM Card in the past 48 months.

Apply by Phone:  1-800-362-0526

TTY:  Use 711 or other Relay Service

No Annual Fee*


Your plans change, and with the Citi Custom CashSM 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.



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

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



earn unlimited 1% cash back on all other purchases


Repeat every month. No enrolling. Just earning.

  1. Spend. Use the Citi Custom CashSM Card for all your purchases.
  2. 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 each billing cycle, up to the first $500 spent, and 1 point per $1 on all other purchases.
  3. Redeem. Redeem your points for cash back as a direct deposit, a statement credit or check. Or explore other ways to redeem points including for gift cards, travel and Shop with Points at


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

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.

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


Apply by Phone:  1-800-362-0526

TTY:  Use 711 or other Relay Service


Introductory rate of % for months from the date of account opening on purchases and an introductory rate of % for months from date of first transfer for balance transfers. 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 the Citi Custom CashSM 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 — $0.50. Annual Fee – None. Fee for foreign purchases — 3% 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.