Citi Custom Cash℠ Card

Card Value & Cash Back Calculator

The Citi Custom Cash℠ Card is a no-annual fee cash back credit card that automatically maximizes your rewards. You'll earn 5% cash back in your top eligible spend category each billing cycle on up to the first $500 spent (then 1%).

Intro Bonus: $200 cash back

Rewards 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.

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.

Rewards Value

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 portal.

Redemption Option Average Value (in cents)
Cash back redemptions 1
Redeeming points through Citi ThankYou travel portal 1
Point redemptions on 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.

Transfer Partners

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:


Annual Fees

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.

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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!

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