Offers available if you apply here today. Offers may vary and these offers may not be available in other places where the cards are offered. 

 

take advantage of our low
intro APR and no annual fee*

Enjoy 0% Intro APR for 15 months on balance transfers and purchases with no annual fee.* After that, the variable APR will be % - %, based on your creditworthiness.*

Intro rate on purchases starts from the date of your account opening and the intro rate on balance transfers starts from the date of your first transfer. All transfers must be completed in the first 4 months of account opening. There is a balance transfer fee of $ or % of the amount of each transfer, whichever is greater.*

a card that adapts to the way you live

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

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

you do you and earn more cash back

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.

plus, a special travel offer

Your next vacation could earn
an additional 4% cash back

Get the most out of your Citi Custom Cash® card when you travel. Earn an additional 4% cash back on hotels, car rentals, and attractions booked through the Citi TravelSM portal until 6/30/2026**

Cash back is earned in the form of ThankYou® Points. This means each billing cycle, you will earn additional 4 points per $1 on Select Travel purchases.

your questions answered here

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 up to the first $500 spent, and 1 point per $1 on all other purchases. Points can be redeemed for cash back as a statement credit, direct deposit, or 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 statement credit, direct deposit, 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.

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.com, 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.

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.

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

Citi Custom Cash® Card
 Citi Double 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 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® 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.