Introductory bonusEarn $200 in cash back after spending $750 on purchases within the first 3 months of account opening. This bonus offer will be fulfilled in the form of 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 highest eligible spend category each billing cycle, up to the first $500 spent, then 1% cash back thereafter.
- Earn unlimited 1% cash back on all other purchases.
Intro Purchase APR0% for 15 months on purchases
Intro Balance Transfer APR0% for 15 months on balance transfers
Balance Transfer FeeA balance transfer fee applies to this offer of 5% of each balance transfer; At least $5.
APR balance transfer14.74% – 24.74% (Variable)
Late payment feesUp to $40
Foreign transaction fees3%
APR PenaltyUp to 29.99% (varies)
Details of rewards and redemptions
The Citi Custom Cash℠ card works on category rotation for its best rewards, giving you 5% cash back on select categories, up to $500, before dropping to a 1% flat fee thereafter. The category changes based on your own shopping habits, including spending at places like restaurants, gas stations, grocery stores, and pharmacies. You can even earn on your live entertainment purchases.
All other purchases receive unlimited 1% cash back on your other purchases. You’ll also get an introductory APR of 0% for the first 15 months on your purchases and balance transfers.
Cash back is issued via ThankYou® points, but you have the flexibility 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 easy and flexible redemption. There’s no annual fee to update your income, so you can put your money where it’s best served.