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Citi Custom Cash® Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.25
$200
$0
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% to 28.49%.
Fair to Excellent (580-850)
Citi Custom Cash® Card
Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.25
Summary
The Citi Custom Cash® Card is inventive when it comes to cash-back credit cards. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, without an annual fee.
Thanks to that unique perk, you’ll never need to worry about whether you’re using the right card for the right purchase, as your Citi Custom Cash card will always pay you 5% back on whichever category you end up spending the most on each month.
Card Details
Card Snapshot
Welcome Bonus & Info
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Get 0% Intro APR for 15 months on purchases and balance transfers; after that, the variable APR will be 18.49% to 28.49%, based on your creditworthiness.
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.
Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
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.
5% cash-back (on up to $500 each billing cycle) from your largest purchase category, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
No annual fee
Multiple redemption options
No redemption minimums
Cons
Your 5% category is limited to $500 in spend ($25 in cash-back) each month
Not particularly rewarding for any purchases outside of your top 5% cash-back category
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The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1087+ Expert Credit Card Guides
Great Card If
You want a cash-back credit card that offers a capped 5% back on the category you spend the most on each month
You want to pool the points you earn with your premium Citi ThankYou Rewards card like the Citi Strata Premier card
You want a card with no annual fee
Don’t Get If
You want a card that earns travel rewards
You want a card that offers set bonus categories
The Ideal Cardholder
The Citi Custom Cash card is perfectly suited for anyone who is looking for a cash-back credit card that rewards the categories they spend the most on each month, or as a supplemental card for those who are already in the Citi ThankYou Points ecosystem with a premium card like the Citi Strata Premier℠ Card.
How To Earn More Citi ThankYou Points
5% Cash-Back Categories
The obvious way to rack up your rewards with the Citi Custom Cash card is by earning 5% back on your top spend category each month.
Fortunately, the Citi Custom Cash card gives you plenty of categories you can maximize.
Drugstores
Fitness clubs
Gas stations
Grocery stores
Home improvement stores
Live entertainment
Restaurants
Select streaming services
Select transit
Select travel
You have a couple of strategies here.
You could designate your card to one of these categories, say grocery stores, and use it exclusively for those purchases until you hit the $500 cap.
Alternatively, you could take things on a month-by-month basis depending on where you’re planning to spend your money for the month. Need to do some home repairs? Go with home improvement stores that month then. Planning a road trip? Then perhaps gas stations would be best for that month.
Just keep in mind that you can only earn 5% back on up to $500 in spend on a single category. So if you spend $500 in January on dining and $479 at gas stations, you’ll earn 1% back on all of your gas station spend. So you’ll want to plan ahead to avoid this.
If you are able to hit the $500 threshold each month on one of the eligible categories then you will be able to earn $25 each month — amounting to $300 over the year!
All Other Purchases
Of course, you could use the card for all of your other purchases outside of your top spend category, but you’ll earn just 1% back when doing so.
So you’d be better using another card for these purchases, like the Citi Double Cash® Card that earns 2% back on all purchases — 1% when you buy and another 1% when you pay.
Citi Shopping Portal
Like most point programs, Citi offers its own shopping portal where cardholders can shop online with popular merchants like Nike or Microsoft and earn additional points or cash-back when doing so.
This is available to all Citi cardholders, so be sure to check the portal for extra rewards opportunities before you online shop.
Adding Additional ThankYou Point-Earning Cards
Since you’ll mostly only want to limit the spend on your Citi Custom Cash card to purchases that will fall within your top spend category, adding a second Citi ThankYou Rewards card can be the perfect solution.
Consider the Citi Strata Premier card, which earns an uncapped 3x points per $1 at restaurants, gas stations, EV charging stations, supermarkets, air travel, and hotels. You could select a category to use your Citi Custom Cash card for, and then use the Citi Strata Premier card for your other purchases given its large number of bonus categories.
Better yet, you could pool all the points you earn together and use the Citi Strata Premier card to transfer those points out to one of the travel transfer partners — which is where you can get huge value for your points!
Hot Tip:
If you’d like to learn more about Citi ThankYou Points and how to get huge value with transfer partners, check out our guide on how to redeem Citi ThankYou Points.
How To Use ThankYou Points for Max Value
When it comes to flexible rewards like Citi ThankYou Rewards, the main benefit is all of the options you have when you are ready to redeem your points. So let’s take a look at what options you have and which provide the best value.
Cash-Back
The most straightforward option, seeing as the card is a cash-back card, is to redeem the points you earn for cash-back at a rate of 1 cent per point.
You can do this by redeeming your points as a statement credit to offset recent purchases you’ve made with the card, in the form of a direct deposit to your linked bank account or a physical check delivered in the mail.
Remember there are no redemption minimums, so you can redeem your points for cash-back as often as you’d like.
Gift Cards
Citi also gives you the option to redeem your points for gift cards with select merchants, usually at a rate of 1 cent per point. However, it doesn’t make much sense to redeem your points this way when you could redeem them for cash-back at the same rate.
Points With Partners
If your Citi card is linked as a payment method with select Citi partners, you can use your points at checkout instead of charging the purchase you’re making towards your card.
But again, you’d likely be better off just opting to use your points as a statement credit to offset the purchase given its greater flexibility.
Citi Travel Portal
Through the ThankYou portal, you can redeem your points towards virtually any travel purchase you want, including airfare, hotels, rental cars, etc. But again, most people would rather redeem their points towards $100 in cash than $100 off a hotel stay.
Pair With a Premium ThankYou Card To Transfer to Travel Partners
If you hold a premium ThankYou credit card in addition to your Citi Custom Cash card, like the Citi Strata Premier or Citi Prestige® Card (no longer open to new applicants), combining your points and then transferring them to one of Citi’s travel transfer partners allows you to get a lot of value for your points.
This is our favorite way to redeem Citi ThankYou Points because you can use these points for luxurious business and first class flights, which usually costs thousands of dollars, for just the cost of the taxes and fees of the ticket!
Bottom Line: When it comes to getting the maximum value for your Citi ThankYou Points, we highly recommend using transfer partners if you have a premium ThankYou Rewards card. Otherwise, your best bet will almost always be redeeming your points for cash-back.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
75,000 points
$1,200
$95
20.49% to 28.49% Variable APR
Why We Like This Card
The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.
Pros & Cons
Pros
10x points on hotels, car rentals, and attractions booked through CitiTravel.com
3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
Earn 1X point per $1 spent on all other purchases.
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card.
No foreign transaction fees on purchases.
Financial Snapshot
APR: 20.49% to 28.49% Variable APR
Foreign Transaction Fees: None
If you want a travel-focused credit card then you should consider the Citi Strata Premier card. The card offers 3x points per $1 spent at restaurants, gas stations, EV charging stations, supermarkets, air travel, and hotels.
It also offers perks like an annual hotel savings benefit, no foreign transaction fees, and access to all of Citi’s transfer partners. With a reasonable annual fee, the Citi Strata Premier card is an excellent option for people starting their points journey.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
Pros & Cons
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99%-28.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%
If you’re mainly interested in earning cash-back, but like the rewards setup of the Citi Custom Cash card, then you’ll also like the Chase Freedom Flex card.
The Freedom Flex card earns 5% back on up to $1,500 in combined purchases on rotating quarterly bonus categories like gas, grocery stores, and dining. Plus, it earns 5% back on travel purchased through Chase Travel and 3% back on dining and drugstore purchases.
The information regarding the Citi Custom Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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