Current Intro Bonus
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.
Key Cardholder Benefits
- 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.
Citi ThankYou Points earned with the Citi Custom Cash are worth 1 cent each on average. Points can be used for cash back, travel, gift cards, and more through the thankyou.com portal.
|Redemption Option||Average Value (in cents)|
|Cash back redemptions||1|
|Redeeming points through Citi ThankYou travel portal||1|
|Point redemptions on Amazon.com||0.8|
You can increase the redemption value of your ThankYou points using the Citi Premier® Card which allows you to transfer points to all of Citi's airline and hotel partners. This can give your points as much as 2 cents in value per point.
If you own the Citi Premier® Card, you will be able to transfer your ThankYou Rewards points to all of Citi's airline and hotel partners.
Here's the list of Citi transfer partners:
Learn More: Citi transfer partners + conversion calculator
The Citi Custom Cash has a $0 annual fee.
Cash Back Calculator
Use the Citi Custom Cash Points Calculator to determine how many points you can earn based on the monthly or yearly spending amounts you enter.
You can calculate the cash value of the Citi Custom Cash alongside up to two other credit cards from any issuer.
Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site. This means there's no need to re-enter spend when jumping to other credit card pages on the site.
Earning Rate Comparison
Want to know how the Citi Custom Cash Card stacks up against other cards in the family? Check out the table below!
We've run the calculations for you and here are our top picks for best credit cards of 2023:
- Best premium card for unlimited miles: Capital One Venture X Rewards Credit Card.
- Best for flexible travel rewards: Chase Sapphire Preferred® Card.
- Best for everyday spend and travel: Citi Premier® Card.
- Best cash back card for groceries: Blue Cash Preferred® Card from American Express.
- Best for dining and supermarkets: American Express® Gold Card
- Best for business travel rewards: Ink Business Preferred® Credit Card.
- Best cash back business card: Capital One Spark Cash Plus
Our Credit Card Rewards calculator can help you find the perfect card and offers based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let us do the work for you!