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. 

 

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.

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 18.24% - 28.24%, based on your creditworthiness.*

All transfers must be completed in the first 4 months of account opening. There is a balance transfer fee of $5 or 5% of the amount of each transfer, whichever is greater.*

your questions answered here