Citi Custom Cash

Spend $1,500 on purchases within the first 6 months of account opening to earn 20,000 ThankYou points, redeemable for $200 in cash back. Points can also be used for travel, gift cards, and more.

Book flights and hotels through the Citi Travel portal (travel.citi.com or the Citi mobile app) to earn 5x ThankYou points on those purchases. This elevated rate is available on bookings made through June 30, 2026.

You earn 5 ThankYou points per $1 in whichever eligible category you spend the most each billing cycle, up to $500 spent. No activation is needed — the card tracks your spending and applies the bonus automatically. Eligible categories include restaurants, gas stations, grocery stores, streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

Every purchase outside your top eligible category earns 1 ThankYou point per $1 spent. There are no caps or restrictions on this baseline rate, so all your spending continues to accumulate points automatically.

Citi automatically monitors your account around the clock for suspicious transactions. If potentially fraudulent activity is detected, Citi contacts you to verify the charge and takes action to protect your account.

You won't be charged for unauthorized transactions made on your account, whether online or in person. If a charge appears that you didn't authorize, report it and Citi covers it. Visit cardbenefits.citi.com for full details.

Mastercard monitors your personal information and alerts you if suspicious activity is detected. Enroll for free in a few minutes to activate monitoring — it starts immediately after sign-up. The service is provided by Mastercard at no extra cost.

Reach a Citi customer service representative any time of day, any day of the week, including holidays.

Get access to tickets and experiences across music, sports, culinary events, and more through the Citi Entertainment program. Browse and purchase available offers at citientertainment.com.

Carrying the Citi Custom Cash® Card costs nothing in annual fees, year after year.

View your FICO® Score for free anytime in the Citi Mobile® App or Citi® Online without affecting your credit. Your score is refreshed monthly, and you can see the key factors influencing it.

Your FICO credit score is available for free through Citi Online or the Citi Mobile App, updated monthly. Checking it has no impact on your score, and you can also view the key factors influencing it.

Pay 0% APR on balance transfers for the first 18 months from account opening. After the intro period, a variable APR of 17.49%–27.49% applies based on your creditworthiness. Balance transfers must be initiated to qualify for the promotional rate.

Citi Quick Lock lets you instantly block new purchases on your card if it's misplaced, while keeping recurring charges running without interruption. Turn it on and off anytime in the Citi Mobile® App or Citi® Online.