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  • Relatively easy to maximize the 5% cash back reward and earn $300 per year
  • No annual fee
  • The cash back comes in the form of Citi ThankYou points, which can be redeemed for things like travel


  • 5% cash back tier is capped at $25 in earnings per month
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Rates & Fees

Citi Custom Cash® Card

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness. 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. Also, earn unlimited 1% cash back on all other purchases. No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. No Annual Fee. Citi will only issue one Citi Custom Cash® Card account per person.

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Frequently Asked Questions