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Citi Custom Cash℠
Citi

Citi Custom Cash℠

A no-annual-fee transferable-points card from Citi.

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 It is shown for historical reference and for existing cardholders, who can still add it to My Wallet to plan around what they already carry.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+)
Network
Mastercard
7.4/10Our rating · review ›

Rates, fees, and full terms are set by Citi and can change; check Citi’s official terms for current rates and fees before applying.

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

Is this card right for you?

✓ Best for

people who spend heavily on dining, groceries, and gas and want travel rewards they can grow.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

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

Best ways to earn & redeem

Put your dining, groceries, and gas spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its dining rate is among the stronger ones you will find in that category.

When you cash in, pool the rewards into the issuer transferable points when you also hold an eligible card, then move them to travel partners. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

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

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

Wyndham Rewards, Choice Privileges, The Leading Hotels of the World

You can check the live points price for a specific stay on rooms.aero.

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

Alternatives to the Citi Custom Cash℠

Pairs well with

The Citi Custom Cash℠ earns ThankYou Points but cannot transfer on its own. Pair it with a Citi transfer hub to unlock airline and hotel transfers.

Learn more

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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