Earn Up to 5% Back and a $200 Bonus with the New Citi Custom Cash Card

by Natasha Gabrielle | Updated Sept. 13, 2022 - First published on June 11, 2021

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Smiling parent handing credit card to cashier

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The Citi Custom Cash℠ Card allows you to earn up to 5% cash back on your top eligible spending category.

If you like earning rewards on your spending, you may want to check out Citi's brand-new cash back card.

It's called the Citi Custom Cash℠ Card, and it offers custom rewards with the flexibility to control how you spend money and earn rewards. This credit card offers a big bonus and robust cash back earnings on your top eligible spending category. Check out the details to see if this is the right cash back card for you.

Earn how you want with the Citi Custom Cash Card

Cash back credit cards allow cardmembers to earn rewards on their everyday spending. Some cash back cards are geared toward certain types of spenders, and they may only earn higher cash back rates on select categories like grocery, gas, or restaurant purchases.

If you don't spend a significant amount of money in those categories, your rewards may be limited. But now Citi wants you to earn cash back in a way that makes sense for you and your spending habits.

The brand-new Citi Custom Cash℠ Card earns 5% cash back on up to $500 spent in your top eligible spending category each billing cycle. For all other purchases, including spending above the $500 max in your top category, you'll earn 1% cash back.

While you are limited in how much 5% cash back you can earn, there is no limit on the 1% earnings. Plus, there's no need to worry about rotating categories like other cash back cards, and you won't have to worry about remembering to enroll because earning is automatic.

This Citi card comes with quite a few categories that will allow cardmembers to spend and earn how they want. Here are the eligible categories:

  • Restaurants
  • Gas stations
  • Grocery stores
  • Select travel
  • Select transit
  • Select streaming services
  • Drugstores
  • Home improvement stores
  • Fitness clubs
  • Live entertainment

Wondering how much you can earn from 5% cash back? If you were to spend $500 every month and earn 5% cash back on your top spending category, you could earn up to $25 per month or up to $300 per year. That's before calculating your earnings on any spending for 1% cash back rewards.

Other highlights of this cash back card

There are other features to appreciate about the Citi Custom Cash℠ Card, including the fact that it comes with no annual fee.

And while many cash back cards offer the chance to earn rewards, they don't all offer a bonus. The new Citi card provides a bonus to new cardmembers. After meeting the minimum spend requirements of $1,500 within the first six months of account opening, you'll earn 20,000 ThankYou® Points. That's equal to $200 cash back.

The Citi Custom Cash℠ Card also offers a 0% intro APR for up to 15 months, valid on purchases and balance transfers. After that, the standard APR will apply.

Multiple ways to redeem points

The Citi ThankYou Rewards program gives you multiple ways to redeem your points. If you prefer cash back, you can redeem your points for statement credit, check, or direct deposit. If you prefer, you can redeem your points for gift cards, use your points to book travel, or use your points to shop at Amazon.com. The choice is yours.

As long as you never spend more than you can afford and don't rack up interest charges by carrying a credit card balance, using credit cards can offer an excellent way to earn rewards on your regular spending.

You can learn more about this card's features by reading our Citi Custom Cash℠ Card review. And if you want to compare other cash back credit cards, we suggest looking at our list of top cash back credit cards.

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