CITI CUSTOM CASH^SM CARD The card that automatically adapts to you with 5% cash back

The Citi Custom Cash^SM 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^SM 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.

Your points will never expire as long as your account remains open.

In the event that you close your account or you convert to another Citi^® credit card that does not participate in the Citi ThankYou^® Rewards program, you will have 60 days to use the accumulated points or forfeit them.

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

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

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

There is no limit to the amount of cash back you can earn on your Citi Custom Cash^SM 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. The Cash Back Bonus with your new credit card is not available if you already received one for opening a new Citi Custom Cash^SM account in the past 48 months. Additionally, our policy is to offer only one Citi Custom Cash^SM account per customer.

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

Citi Custom CashSM Card

Citi® Double Cash Card

The Citi Custom CashSM Card adapts to your spending. Without having to select bonus categories every billing cycle, you will earn 5% cash back on purchases in your highest eligible spend category each billing cycle, up to the first $500 spent, and 1% thereafter. You will also earn unlimited 1% cash back on all other purchases. Cash back is earned in the form of ThankYou® Points, which can be redeemed for cash back as a statement credit, direct deposit, check or for a variety of other rewards, such as gift cards, travel and more.

Citi® Double Cash 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.

How can I apply for the Citi Custom Cash^SM Card?

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

Does the Citi Custom Cash^SM Card have a foreign transaction fee?

Yes, the foreign transaction fee for the Citi Custom Cash^SM Card is 3% of the U.S. dollar amount of each purchase.¹

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

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

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

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

What is the credit limit for the Citi Custom Cash^SM Card?

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

Learn more about the Citi Custom Cash^SM Credit Card.

What is the APR for Citi Custom Cash^SM?

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

The Citi Custom Cash^SM 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^SM card?

The Citi Custom Cash^SM 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.