Citi Custom Cash℠ Calculator: Rewards Estimator & 5% Category Breakdown
Fees
Earning Rates
- 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.
Our Take
Citi Custom Cash Card Points Calculator
Use this calculator to estimate how much you’ll earn with the Citi Custom Cash℠ Card. It automatically gives you 5% back on your highest spend category each month (up to $500), making it a powerful no-annual-fee option for dynamic spenders.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Citi Custom Cash℠ Card Details
Earning Rates
The Citi Custom Cash earns ThankYou Rewards points that can be redeemed for cash back and other rewards. It earns points at the following rates:
- 5% cash back on your top eligible spend category each billing cycle up to $500 spent.
- 1% cash back thereafter on all other purchases.
These are the 5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.
Rewards Value & Calculator
Key Benefits
Here are the main benefits of the Citi Custom Cash Card:
- Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- Maximizes Cash Back Automatically: 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.
Transfer Partners & Conversion Calculator
If you want access to all of Citi's airline and hotel partners, you will want to pick up one of Citi's premium cards. Those cards are:
- Citi Strata Premier℠ Card
- Citi Prestige® Card (currently unavailable to new applicants)
Since Citi ThankYou points can be moved between card accounts, you can move your Citi Custom Cash points to one of the eligible cards above first. Once moved, you will then have the ability to use your points with all partners at the best transfer ratios.
Here's the full list of Citi transfer partners:
Fees
Annual Fee
The Citi Custom Cash has an annual fee of $0.
This is great for a cash back card that can earn up to 5% back. Even if you use it strictly for one eligible category, the card is easily worth picking up, especially if you are dedicated to the Citi ThankYou Rewards ecosystem.
Authorized User Fee
There is no fee to add authorized users to the Citi Custom Cash Card. Adding family and friends can help you earn cash back faster and max out the $500 cap on the 5% back category.
Foreign Transaction Fee
The Citi Custom Cash has a foreign transaction fee of 3%. That makes this a very bad card for international spending and travel.
Citi Rewards Calculators & Guides
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Calculator: Citi Points To Miles & Hotel Points
Use our calculator to view Citi ThankYou Rewards transfer partners and convert Citi points to airline miles and hotel points easily. -
Citi Points Value Calculator
Find out how much Citi ThankYou points are worth on and calculate their average cash value based on redemption. -
Calculator: Citi Strata Premier℠ Card
Calculate points per $1 spent, points to dollar value, transfers to partners, and card value for the Citi Strata Premier Card. -
Calculator: Citi Rewards+® Card
Calculate points per $1 spent, points to dollar value, transfers to partners, and card value for the Citi Rewards+ Card. -
Calculator: Citi® Double Cash Card
Calculate points per $1 spent, points to dollar value, transfers to partners, and card value for the Citi Double Cash Card. -
Calculator: Citi Custom Cash℠ Card
Calculate points per $1 spent, points to dollar value, transfers to partners, and card value for the Citi Custom Cash Card.
