Citi Custom Cash® Card
Citi Custom Cash credit card (5% in the highest eligible billing-cycle category)Historical welcome reward: $200 cash back after $1,500 in spending in the first 6 months
(The historical offer required $1,500 in spending in the first 6 months after account opening to earn 20,000 ThankYou Points, redeemable for $200 cash. These were the reward rules before the card was discontinued.)
Card features and benefits
- 5% on One Highest Eligible CategoryEach billing cycle, not calendar month, the highest eligible category is determined by posted net purchases. Its first $500 in spending earns 5%; spending above that cap and other eligible purchases earn 1%. Categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming, drugstores, home improvement, fitness memberships and live entertainment, subject to merchant codes and exclusions.
- Earn Valuable ThankYou® Points (TYP)Cash-back rewards are issued as ThankYou Points (TYP). The source states that holding Citi Strata Premier can permit 1:1 transfers to airline partners including EVA Air and Cathay Pacific, potentially increasing redemption value; actual value depends on redemption.
- 1% on Other Eligible PurchasesSpending above $500 in the highest category each billing cycle and other eligible purchases earn 1%. The cap applies to spending, not the reward amount.
- Additional 4% on Citi Travel℠Hotels, rental cars and attractions booked through Citi Travel℠ earn an additional 4% cash back under the source-listed terms.
- 0% Intro APR on Balance Transfers (18 Months)The source lists a 0% introductory APR on Balance Transfers for up to 18 months, for debt consolidation and balance management under the historical terms.
Account protections and features
- Citi Entertainment®Citi benefits provide presale tickets and exclusive channels for concerts, sports, dining experiences and theater performances worldwide.
- Choose Your Payment Due DateChoose an available monthly payment due date at the beginning, middle or end of the month to align with cash flow.
- Mastercard ID Theft ProtectionMastercard provides complimentary identity-theft monitoring and alerts for detected suspicious dark-web activity or identity misuse.
- $0 Liability & Fraud Early Warning$0 fraud liability protection applies to unauthorized transactions under the relevant terms. Early fraud alerts monitor unusual transactions.
- Free Access to your FICO® ScoreView the FICO® score through Citi Mobile® or online banking at no cost. This is a Soft Pull and does not affect the credit score.