Citi

Citi Custom Cash℠

Legacy card. This card is no longer open to new applicants. It is shown for historical reference and for existing cardholders, who can still add it to My Wallet to plan around what they already carry.

Pools with Citi → transferable

Annual fee

No annual fee

Welcome bonus

Not available (no longer open to new applicants)

Min spend

N/A

Recommended credit

Good (670+)

Review

Offer last verified June 17, 2026. How we verify.

Earning rates

5% cash back on your top eligible spend category each billing cycle (up to $500 in spend, then 1%)

1% on all other purchases

Earns Citi ThankYou Points, poolable with a Strata Premier for airline and hotel transfers

Features & benefits

Eligible categories include restaurants, gas, groceries, select travel, transit, and streaming

No annual fee

Transfer partners

On its own this card earns ThankYou Points worth about 1 cent each. Pool it with a Citi transfer card such as the Strata Elite, though, and the points unlock the same airline and hotel transfers, where major partners include:

Airline partners

American Airlines AAdvantage, Turkish Miles & Smiles, JetBlue TrueBlue, Virgin Atlantic, Avianca LifeMiles, Air France/KLM, The Leading Hotels of the World

See exactly what a flight award costs

Stop guessing at point values. Look up the real mileage price and live seat availability for a specific flight.

Search award flights on seats.aero →

Hotel partners

Wyndham Rewards, Choice Privileges

See what a hotel award costs

Look up the live points price and availability for a specific hotel stay before you book.

Search award stays on rooms.aero →

See the full Citi ecosystem, card lineup, and live transfer bonuses →

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Citi Custom Cash℠ lands.

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