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Citi Custom Cash Credit Card

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Citi Custom Cash Card

Annual Fee: $0

Bonus Offer: $200 in the form of 20,000 bonus ThankYou points when you spend $750 within 3 months


Bonus Offer: $200 in the form of 20,000 bonus ThankYou points when you spend $750 within 3 months

★ This card earns bonus points for spend in the following bonus categories:

Airfare5x
Car Rentals5x
Dining5x
Drugstores5x
Entertainment5x
Gas Stations5x
Gym Memberships5x
Hotels5x
Other Travel5x
Streaming Services5x
Supermarkets5x

Best for:

Earning 5% on rare bonus categories like drugstores and home improvement stores (or on popular categories like travel and dining).

Card Features and Benefits:

    The Citi Custom Cash card earns ThankYou points which are worth a penny per point (1% cash back) unless you also have a Citi Premier card or Prestige in your Citi portfolio.

    Assuming you do, then these will combine to your overall ThankYou pool once linked.

    Citi Custom Cash Signup Bonus

    You'll earn 20,000 ThankYou points when you spend $750 within 3 months from when you open your card.

    This equates to a $200 signup bonus, but can be worth more if you have a Citi Premier or Prestige to link it to and use the points to transfer to airline partner frequent flyer programs.

    How It Earns

    You will earn 5% cash back (as ThankYou Points) on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, with 1% cash back thereafter. You do not have to select anything at any time. It's automatic.

    The eligible spend categories are:

    • Restaurants
    • Gas Stations
    • Grocery Stores
    • Select Travel
    • Select Transit
    • Select Streaming Services
    • Drugstores
    • Home Improvement Stores
    • Fitness Clubs
    • Live Entertainment

    You'll earn an unlimited 1% cash back on all other purchases.

    The 5X applies to your top category each month. So it's kind of like a rotating bonus category except you choose - and you don't even have to technically choose or register, the 5% is automatically applied to your highest spend category each billing cycle.

    As a comparison, the Chase Freedom Flex offers a 5X rotating quarterly bonus category, but with a limit of $1,500 per quarter and on whatever categories they choose. This works out to the same $1,500 per quarter, but divided evenly each month such that you can utilize different categories each month.

    This is the first and only card that I can think of that offers 5% at home improvement stores and at drugstores.

    While a heavy spender may not be super impressed with the $500 a month cap, I think many spenders would be very happy to earn 5% on restaurants, grocery stores, gas, etc. on a card with no annual fee.

    And heck, you could buy $500 worth of show or concert tickets one month and get 5% on that! So, in context, I think this card becomes a very compelling addition to the Citi Trifecta / Quadfecta.

    citi custom cash card

    O% Intro APR Offer - New Purchases and Balance Transfers

    You'll get 15 months at 0% for both new purchases and, if you choose, balance transfers. After that, the variable APR will be 13.99% - 23.99%.

    Annual Fee

    There's no annual fee.

    Card Limit

    Some people have multiples of the same Citi credit card. Acknowledging that someone might want to hold many of these to get everything at 5X, they are capping this card at one per person.

    Review Summary

    The Custom Cash card should make for an easy extra 30,000 ThankYou points per year if you already collect them, or an extra $300 cash back if cash is your preference.

    30,000 points are enough for a round trip in business class anywhere in North America (based on United having saver availability to book via Turkish Miles&Smiles) - as long as you also have a Premier or Prestige card.

    The Citi Custom Cash card would combine nicely with a Citi Premier credit card (3X on most travel, dining, groceries, and gas plus it unlocks the ability to transfer all ThankYou points to airlines), a Citi Double Cash (2% cash back on everything with the ability to convert to ThankYou points 1:1), and a Rewards+ card (10% annual rebate on redemptions).

    Bonus Category Definitions

    More Reading at MilesTalk

    Related Credit Cards

Citi Custom Cash Card

Offer: $200 in the form of 20,000 bonus ThankYou points when you spend $750 within 3 months

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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Citi Premier | Review | How to Apply

Review of the Citi Premier credit card, the most popular card for earning Citi ThankYou points with 3X earnings on popular categories and great redemptions.

Product In-Stock: InStock

Editor's Rating:
4.5