| Category | Rate | Type | Cap |
|---|---|---|---|
|
Top Eligible Spend Category (Auto-Rotating)
Earn 5% cash back (as ThankYou Points) on purchases in your single highest eligible spend category each billing cycle, automatically determined — no opt-in required — up to $500 spent per billing cycle; eligible categories are: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.
|
5x | Hybrid | No cap |
|
Hotels, Car Rentals, and Attractions via Citi Travel
Earn 4% additional cash back on hotels, car rentals, and attractions booked through the Citi Travel portal, which when combined with the base 1% rate totals 5% cash back.
|
5x | Hybrid | No cap |
|
Top Eligible Spend Category (Above $500 Cap)
Earn 1% cash back on purchases in the top eligible spend category after the $500 per billing cycle spending limit is reached for the 5% rate.
|
1x | Hybrid | No cap |
|
All Other Purchases
Earn unlimited 1% cash back on all other purchases with no cap.
|
1x | Hybrid | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Citi Flex Pay
Eligible purchases of $75 or more can be split into fixed monthly payments using Citi Flex Pay with no application or credit check required while continuing to earn rewards.
|
Financial | Complimentary |
|
Flexible Payment Due Date
Cardmembers can choose their billing due date from available dates at the beginning, middle, or end of the month.
|
Financial | Complimentary |
|
Introductory Balance Transfer APR
New cardmembers receive an introductory APR on balance transfers completed within 4 months of account opening; standard variable APR applies after the introductory period ends.
|
Financial | Intro APR for limited period |
|
No Annual Fee
The Citi Custom Cash Card carries no annual fee.
|
Financial |
$0
Up to $0
|
|
No Authorized User Fee
Cardmembers can add authorized users at no additional cost and earn points on purchases made by those users.
|
Financial |
$0
Up to $0
|
|
Extended Warranty Protection
Extends the manufacturer's warranty on eligible purchases made with the card; coverage is provided by New Hampshire Insurance Company, an AIG company, and provides secondary coverage only. Terms, conditions, and limitations apply.
|
Insurance | Complimentary |
|
Citi Entertainment Access
Cardmembers get special access to purchase tickets to thousands of events including presale tickets and exclusive experiences for concerts, sporting events, and arts and culture through Citi Entertainment.
|
Lifestyle | Complimentary |
|
24/7 Customer Service
Live customer service representatives are available 24 hours a day, 365 days a year by calling the number on the back of the card.
|
Other | Complimentary |
|
Automatic Account Alerts
Cardmembers can opt into automatic alerts via email or text for balance updates, payment reminders, and credit limit notifications.
|
Other | Complimentary |
|
Citi Mobile App
Cardmembers can manage their account, view balances, make payments, and access card features anytime through the Citi Mobile App.
|
Other | Complimentary |
|
Digital Wallet Compatibility
The card is compatible with major digital wallets enabling contactless payments online, in-app, and in stores.
|
Other | Complimentary |
|
Free FICO Score Access
Cardmembers receive complimentary access to their FICO Score updated monthly via the Citi Mobile App and Citi Online, without impacting their credit score.
|
Other | Complimentary |
|
Paperless Statements
Cardmembers can opt into paperless statements and electronic communications to receive statements and most legal notices online.
|
Other | Complimentary |
|
Pre-Qualification Tool
Prospective applicants can check if they are pre-qualified for the Citi Custom Cash Card online with no impact to their credit score before formally applying.
|
Other | Complimentary |
|
1% Cash Back on All Other Purchases
Earn unlimited 1% cash back on all other purchases, including purchases in the top eligible spend category above the $500 per billing cycle cap, with no cap or limit.
|
Rewards | 1% cash back (unlimited) |
|
5% Cash Back on Top Eligible Spend Category
Earn 5% cash back (as ThankYou Points) automatically on purchases in your single highest eligible spend category each billing cycle, up to $500 spent — no opt-in or category selection required. Eligible categories include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.
|
Rewards | 5% cash back (up to $500/billing cycle) |
|
ThankYou Points Redemption Flexibility
Cash back is earned as ThankYou Points redeemable for statement credits, direct deposits, checks, gift cards, travel, or Shop with Points at Amazon.com and PayPal; 10,000 points = $100 in cash back redemptions.
|
Rewards | 1 cent per point for cash redemptions |
|
$0 Liability on Unauthorized Charges
Cardmembers are not responsible for unauthorized charges made on their account, providing full protection against fraudulent use.
|
Security |
$0 liability
Up to $0
|
|
24-Hour Fraud Protection
Citi monitors the account around the clock and alerts cardmembers if unusual activity is detected.
|
Security | Complimentary |
|
Citi Quick Lock
Cardmembers can instantly block new charges on a misplaced card via the Citi Mobile App or citi.com while allowing existing recurring transactions to continue.
|
Security | Complimentary |
|
EMV Chip Technology with Contactless Pay
The card includes chip-based technology with tap-to-pay capability for enhanced security and global acceptance at contactless payment terminals.
|
Security | Complimentary |
|
Mastercard ID Theft Protection
Mastercard's ID Theft Protection program monitors personal information chosen by the cardmember and sends alerts if suspicious activity is found. Free enrollment available at mastercardidps.idprotectiononline.com.
|
Security | Complimentary |
|
Citi Merchant Offers
Cardmembers can access and enroll in targeted statement-credit offers at select merchants for savings on shopping, dining, travel, and more through Citi Merchant Offers.
|
Shopping | Varies by offer |
|
5% Cash Back on Hotels, Car Rentals, and Attractions via Citi Travel
Earn 4% additional cash back on hotels, car rentals, and attractions booked through the Citi Travel portal, which combined with the base 1% rate totals 5% cash back on these purchases.
|
Travel | 5% total cash back via Citi Travel |
