Citi · Mastercard · personal · Citi ThankYou Points
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$0
annual fee
3%
foreign txn fee
$0
credits/yr realistic ($0 face)
$200
sign-up bonus ≈ 20000 points after $1,500/6mo
Earning
| Everything else | 1% | 1% |
| Choose 1: Dining & restaurants, Gas stations, Groceries (supermarkets), Travel (general), Transit, Streaming services, Drugstores & pharmacies, Home improvement, Gyms & fitness, Entertainment
up to $500/month
5% automatically on your top eligible category each billing cycle, on the first $500 spent, then 1%. Pick the category you'll route to it. |
5% |
Right column: value per $ at travel valuation (1¢/pt — transfer value 1.7¢ needs a card that unlocks transfers). 1¢ cash. Full transfer partners need a Strata Premier / Strata Elite; the no-fee Strata transfers to a subset incl. American; Double Cash/Custom Cash alone transfer only to Choice, Wyndham, JetBlue.
Credits
None.
Benefits
- 0% intro APR 15 months
- No annual fee
Protections
| rental car | none |
Notes
WEB-VERIFIED 2026-09-08 against https://www.bankrate.com/credit-cards/reviews/citi-custom-cash-card/: $0 fee, 5% top category to $500/cycle (restaurants, gas, grocery, select travel/transit/streaming, drugstores, home improvement, fitness clubs, live entertainment), 3% FTF, 20k-point bonus (Bankrate, Aug 3 2026). Protections still from model knowledge.