Citi Custom Cash Card: 5% Back Calculator

Credit Card Rewards Calculator
Calculate the cash back value for Citi points earned with the Citi Custom Cash by inputting your weekly or monthly spending amounts and compare alongside top cards.
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Last Updated 2022-04-11

The Citi Custom Cashâ„  Card earns 5% back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent (then 1%).

The card will automatically adjust your 5% category which means that you don't have to deal with rotating categories or the need to sign up every quarter to be eligible which allows you to easily maximize your rewards.

Cash back earned with the Citi Custom Cash is in the form of ThankYou Points in which 1 point is equal to 1 cent in cash back.

If you want to redeem your points for more than 1 cent back, you can pair the Citi Custom Cash with the Citi Premier Card. This will allow you to transfer points to Citi's airline and hotel partners and redeem points for significantly higher value.

Card Details At-A-Glance

Issuing Bank
Card Network
Rewards Earned
Rewards Avg Value
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Income Requirement
Citi Custom Cashâ„  Card
$200 Cash Back
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Citi Custom Cash bonus categories

5% On Select Category With Most Spend

The Citi Custom Cash earns 5% back on one select category that you spend the most on per month. You'll earn 5% on the first $500 spent during the billing cycle and 1% back thereafter.

1% Everything Else

All other purchases made to the Citi Custom Cash will earn 1% cash back.

Citi Custom Cash 5% Categories

You'll earn 1% cash back on the other nine categories.

Restaurant

When applicable, restaurant purchases on the Citi Custom Cash will earn 5% cash back. Restaurant purchases are considered to be:

  • Cafes
  • Bars
  • Lounges
  • Fast Food

This excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs) and third party dining delivery services.

Gas Station

When applicable, gas station purchases on the Citi Custom Cash will earn 5% cash back. This category excludes gasoline purchases at warehouse clubs, discount stores, and convenience stores.

Grocery Store

When applicable, grocery store purchases on the Citi Custom Cash will earn 5% cash back. This includes purchases made at online supermarkets or with grocery delivery services.

Select Travel

When applicable, select travel purchases made to the Citi Custom Cash will earn 5% cash back. This includes purchases made for:

  • Airline
  • Hotel
  • Cruise Line
  • Travel

This excludes timeshares, boat leases and rentals, campgrounds and trailer parks, and real estate agencies.

Select Transit

When applicable, select transit purchases made to the Citi Custom Cash will earn 5% cash back. This includes:

  • Car Rentals
  • Ferries
  • Commuter Railways
  • Subways
  • Taxis / Limos / Car Services
  • Passenger Railways
  • Bridge and Road Tolls
  • Parking Lots & Garages
  • Bus Lines
  • Motor Home & Recreational Vehicle Rentals

This excludes bike/scooter rentals, auto clubs and insurance companies.

Select Streaming Services

When applicable, select streaming service purchases made to the Citi Custom Cash will earn 5% cash back. This includes the following cable, satellite, and streaming providers:

  • Amazon Prime Video
  • Amazon Music
  • Apple Music
  • CBS All Access
  • Disney+
  • AT&T TV NOW
  • ESPN+
  • fuboTV
  • HBO Max
  • NBA League Pass
  • Netflix
  • Pandora
  • Showtime
  • Sling TV
  • Spotify
  • Starz
  • SiriusXM
  • Vudu
  • YouTube Red
  • YouTube TV
  • Tidal

Drugstore

When applicable, drugstore purchases made to the Citi Custom Cash will earn 5% cash back. This includes purchases made at pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs if those merchants submit purchases made in their pharmacy with the drug store and pharmacy merchant category code.

Home Improvement Stores

When applicable, home improvement store purchases on the Citi Custom Cash will earn you 5% cash back. This includes:

  • Home Supply Warehouse Stores
  • Lumber & Building Materials Stores
  • Paint & Wallpaper Stores
  • Hardware Stores
  • Nurseries
  • Lawn & Garden Supply Stores
  • Paints, Varnishes & Supplies Stores

This category excludes florists and florists' supply stores, nursery stock, wholesale construction stores, and glass stores.

Fitness Clubs

When applicable, fitness club purchases made to the Citi Custom Cash will earn you 5% cash back. This includes membership fee and other purchases at athletic, sports and recreation facilities requiring membership such as health, tennis, and swimming clubs.

This excludes fees associated with virtual services for home exercise equipment, personal monitoring devices, or fitness streaming classes.

Live Entertainment

When applicable, the Citi Custom Cash will earn 5% cash back on live entertainment purchases. This includes ticket purchases for live entertainment, including: concerts, live sporting events, live theatrical productions, amusement parks, and orchestras.

This excludes charitable organizations that provide live entertainment (benefits), sporting camps, sports complexes where you participate in the sport, public and private golf courses, country clubs (including membership fees), bowling alleys, movie theaters, tourist attractions, museums and art galleries.

Citi Custom Cash benefits

  • Mastercard ID Theft Protection
  • Free Access to your FICO® Score
  • Citi® Quick Lock
  • Citi Entertainment®

The Citi Custom Cash features standard Citi benefits.

Citi Custom Cash points value

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

Citi Custom Cash points have an average value of 1 cent apiece when redeemed for cash back.

You can increase the redemption value of your points by picking up the Citi Premier Card which allows you to transfer points to Citi's airline and hotel partners. This can get you anywhere from 1 to 2 cents in value for certain redemptions.

Citi points calculator

Use the Citi Custom Cash Points Calculator to determine how many points you can earn based on the weekly or monthly 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.

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