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Non-Affiliate Offer
Citi Custom Cash® Card
Welcome Offer
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How to Earn Rewards
5%
Cash back (5x ThankYou® Points) on your top eligible spend category each billing cycle, up to the first $500 spent (then 1% in that category). Eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment. Category adjusts automatically — no enrollment.
4%
ADDITIONAL cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal — through 6/30/2026 (special travel offer)
1%
Cash back (1x ThankYou® Point) on all other purchases
Key Benefits
Tap any benefit to see details.
5% Cash Back on Top Eligible Spend Category (Up to $500/Cycle)
Earn 5% cash back (5x ThankYou Points) on your top eligible spend category each billing cycle, up to the first $500 spent. Maximum potential: $25/month or $300/year if you max the category every cycle. Categories adjust automatically based on your spending — no enrollment required.
Pool ThankYou Points with Citi Strata Premier or Prestige to Unlock Transfer Partners
Cash back earned is technically ThankYou® Points (1 TYP = 1 cent cash back). If you also hold a Citi Strata Premier or Citi Prestige, you can pool points across cards — turning the 'cash back' into points transferable to Citi's airline/hotel partners (Turkish Airlines, Virgin Atlantic, JetBlue, Wyndham, Choice, etc.). Without a Premier-tier card, points are cash back only.
Citi Entertainment® Access
Access to Citi Entertainment® for exclusive presale tickets to concerts, sporting events, dining experiences, and more.
Cash Back / Statement Credit / Direct Deposit / Check / Gift Cards / Travel / Amazon
Multiple redemption options: statement credit, direct deposit, mailed check ($5/500-point minimum for check), gift cards, travel, Shop with Points at Amazon.com or PayPal. Cash back redemptions = 1 TYP per cent.
$0 Liability on Unauthorized Charges
$0 liability on unauthorized charges — Citi covers fraudulent transactions if reported.
Citi Issues Only ONE Custom Cash Account Per Person
Citi will only issue ONE Citi Custom Cash® Card account per person — so unlike Chase where you can have multiple of the same card type via business + personal pairings, Custom Cash is strictly one-and-done.
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
This can be a good starter card or a good way to strategically earn extra Thank You points.
If you pair this with a Citi Strata Premier, you'd be able to combine all the cash back/points.
To maximize, move all your spending for one category (or the first $500 of that category) to this card. You earn 5% cash back on up to $500 a month in your highest spend of these categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| $200 + 4% Citi Travel Stack (Through 6/30/2026)Elevated | $1,500 in 6 mo + Citi Travel use | Current with limited-time travel portal stack |
| $200 Cash Back (20,000 ThankYou Points) | $1,500 in 6 mo | Current public; standard offer (May 2026) |
