Custom Cash

Annual fee: $0
Network: mastercard
Type: personal

Earns 5% cash back on your top eligible spend category each billing cycle up to the first $500 spent, and 1% cash back on all other purchases.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Earning rates

all other purchases
applies after reaching the $500 cap on the top spend category, or on all other non-top-category purchases
1×
cash back
1% unlimited cash back
Top earn
top spend category
applied automatically to the billing cycle's highest eligible spend category (such as dining, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment) up to the first $500 spent per billing cycle
5×
cash back
5% cash back on your top eligible spend category each billing cycle up to the first $500 spent, then 1%

On-card benefits & credits

ThankYou Point Portability
$50
/annual
Option to pool ThankYou Points with other Citi cards like the Citi Strata Premier to transfer to airline and hotel partners for higher value.
Citi Merchant Offers
$40
/annual
Access to various merchant-specific statement credit offers. Values vary widely based on user activation.
Citi Entertainment Access
$25
/annual
Special access to purchase tickets for thousands of events, including concerts, sporting events, and dining experiences.

Other Citi cards

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