Citi Custom Cash® Card
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. 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.
5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.2
Plus earn additional 4% on select travel
Travel your way and make the most of your vacation. Earn 4% additional cash back on hotels, car rentals, and attractions booked with Citi Travel℠.2
Earning and redeeming, made easy
Spend
Use the Citi Custom Cash® Card for all your purchases. With no rotating bonus categories to opt-in to, the card offers a simple way to start earning more.
Earn
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases. Plus, earn an additional 4% cash back on hotels, car rentals, and attractions booked on the Citi Travel℠ site.
Redeem
Cash back is earned in the form of ThankYou® Points, which can be easily redeemed for cash back such as a statement credit, direct deposit or check. Or redeem your points for other rewards such as gift cards, Shop with Points at Amazon.com, travel and more. Visit ThankYou.com for full details.
Annual Fee1
No Authorized User fee
Intro APR1
% for months
on balance transfers from date of account opening
Variable APR1
% - %
on balance transfers based on your creditworthiness
Intro balance transfer fee1
% ($ minimum)
of each transfer, completed within first months of account opening
Balance transfer fee after intro rate expires1
% ($ minimum)
of each transfer
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. Balance Transfers do not earn cash back. Intro APR does not apply to purchases. Balance Transfers must be completed within 4 months of account opening.
$0 liability on unauthorized charges
Extended warranty
Citi® Merchant Offers
Mastercard® ID Theft Protection
The ID Theft Protection program offered by Mastercard® helps reduce the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins.
Visit mastercardidps.idprotectiononline.com to learn more.
Citi Entertainment®
Citi Entertainment® is an entertainment access program available to eligible Citi® credit card and Citibank® Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences.2
Access FICO® Score
View your FICO® Score online anytime, without impacting your score — plus learn key factors affecting your score. It’s updated monthly and easy to find on the Citi Mobile® App and Citi® Online. Checking your score is always FREE.
Citi® Quick Lock
Misplaced your card? Use Citi Quick Lock in the Citi Mobile® App or at citi.com to instantly block new charges while allowing recurring transactions to continue without disruption.
24-hour fraud protection
Citi will alert you if we see unusual activity on your account.
Mastercard® ID Theft Protection
The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
Extended warranty
Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Please refer to your Guide to Protection Benefits to learn more. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only.
Automatic account alerts
Stay updated on balance, payments and credit limits via email or text.
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.
Paperless statements and e-communications
Reduce clutter and get your statements and most legal notices online instead of in the mail.
Citi Mobile® App
Manage your money when you want, where you want and the way you want. It's how Citi digital services help you get the most out of your time.
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.
Access FICO® Score
Free access to your FICO® Score online to review your credit history.
24/7 Customer service
Questions about your Citi® card account? Just call the number on the back of your credit card. Just say 'representative' to access fast, live help from a friendly customer service representative ready to help with virtually every aspect of your cardmembership (including technical assistance) —24 hours a day, 365 days a year.
Citi Entertainment®
Citi Entertainment® is an entertainment access program available to eligible Citi® credit card and Citibank® Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences.2
Citi® Merchant Offers
Ready, set save with Citi® Merchant Offers. With this statement-credit program you can save on shopping, dining, travel and more. To get started, explore the Merchant Offers available to you, enroll in your favorites and complete the qualifying purchases stated in the offer details to earn your statement credit.
Citi® Flex Pay
Buy now, pay later with Citi® Flex Pay. Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.2
FAQs
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. In addition, customers will earn 4% additional cash back on hotels, car rentals, and attractions booked with Citi Travel.
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.
- Plus: Earn 4% additional cash back on hotels, car rentals, and attractions booked with Citi Travel
- 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:
- 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.
- 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.
- 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
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 Custom Cash® 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® 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 1% unlimited cash back on all other purchases.
Plus 4% additional cash back on hotels, car rentals, and attractions booked with Citi Travel.
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.
- Plus: 4 additional points per $1 spent on hotels, car rentals, and attractions booked with Citi Travel.
Citi Double Cash® Card
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.
Plus 3% additional cash back on hotels, car rentals, and attractions booked with Citi Travel. When combined with 1% cash back on your purchases and the 1% cash back on your payments, this totals to 5% cash back.
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.
Plus: Earn additional 3 points for every $1 spent on hotels, car rentals, and attractions booked with Citi Travel. When combined with the 1 ThankYou point per $1 on your purchases and the 1 ThankYou point per $1 on your payments, this totals to 5 ThankYou points per $1 spent.
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 Details1
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.
What is the APR for Citi Custom Cash®?
The variable APR for purchases on a Citi Custom Cash® Card is dependent on your creditworthiness.
- To learn more, visit Citi.com/CustomCash
- 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.
- Or call 1-855-473-4583 for assistance. TTY: Use 711 or Other Relay Service.
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.
CITI CUSTOM CASH® CARD
Earn $200 cash back
Apply by Phone: 1-800-362-0526 TTY: Use 711 or other Relay Service
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1Citi Custom Cash® Card Pricing Details
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, a variable APR of % - %, based on your creditworthiness, applies to unpaid promotional balances and new balance transfers. All balance transfers must be completed within months of account opening. The variable APR for purchases is % - %, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is % - %, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances is %. Variable Penalty APR up to % and applies if you pay late or your payment is returned. Minimum interest charge – $. Annual Fee – None. Fee for foreign purchases – % of the U.S. dollar amount of each purchase. 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.