Citi Custom Cash℠
Issued by Citi
Rates verified August 2026
Welcome Bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards Rate
1% cash back · up to 5% on Dining
Annual Fee
No annual fee
Recommended Credit Score
good
You'll be taken to the issuer's secure application
Rewards Program
1% cash back · up to 5% on Dining
Welcome Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual Fee
No annual fee
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
3%
Recommended For
Dining, Drugstores, Fitness Clubs, Gas Stations
Why We Recommend This Card
5.0% on Dining
5.0% on Drugstores
5.0% on Fitness Clubs
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Citi Entertainment®
Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to music, sports, culinary experiences and more ' from virtually anywhere.
Citi® Quick Lock
Misplaced your card? Use Citi Quick Lock to instantly block new charges, while allowing recurring charges to continue without disruption. It buys you peace of mind and time to find your card.
Free Access to your FICO® Score
View your FICO Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile App and Citi Online. See the key factors affecting your score and more.
Network benefits (Mastercard) — 8 standard protections
Global emergency services
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Mastercard ID Theft Protection
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard ID Theft Protection
Offered by Mastercard®, this program helps eliminate the worry of identity theft by monitoring and alerting cardholders if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins.
Mastercard Music and Entertainment Access benefit
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer
Mastercard Transit Benefit
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Direct to the Issuer
The Apply button takes you to Citi's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information