Intro BonusEarn $ 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.
APR14.74% – 24.74% (Variable)
Recommended CreditExcellent, Good
- 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.
Annual Fee$ 0
Intro Purchase APR0% for 15 months on purchases
Intro Balance Transfer APR0% for 15 months on balance transfers
Balance Transfer FeeBalance transfer fee applies with this offer 5% of each balance transfer; $ 5 minimum.
Balance Transfer APR14.74% – 24.74% (Variable)
Late Payment FeeUp to $ 40
Foreign Transaction Fees3%
Penalty APRUp to 29.99% (Variable)
Rewards & Redemption Details
The Citi Custom Cash℠ Card works on rotating categories for its best rewards, giving you 5% cash back on select categories, up to $ 500, before switching to a flat 1% fee thereafter. The category changes based on your own purchasing habits, including expenses at places like restaurants, gas stations, grocery stores, and drug stores. You can even earn on your live entertainment purchases.
All other purchases receive an unlimited 1% cash back on your other purchases. You will also enjoy a 0% introductory APR for the first 15 months on both your purchases and balance transfers.
Cash back is issued via ThankYou® Points, but you have the option to redeem them however you like, with options for statement credits, direct deposit, or check. You can also redeem your points for travel, gift cards, and even Amazon.com for simple and flexible redemption. There is no annual fee to discount your earnings, so you can put your money where it is best served.