Citi
Citi Custom Cash
Annual Fee
$0
Sign-up Bonus
20,000 pts
Card data last reviewed 2026-05-04
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- No annual fee
- Non-bonus spending earns only 1x
- Top earn rate is capped (shared across categories)
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$240/yr
$240 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$260/yr
$260 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$280/yr
$280 rewards
This card has spending caps or rotating categories not fully modeled above; treat these as upper bounds.
Rewards by Category
Dining
1x
Grocery
1x
Gas
1x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
1x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
5% on your top eligible spend category each billing cycle (up to $500, then 1%). Categories: restaurants, gas, grocery, select travel, select transit, select streaming, drugstores, home improvement, fitness clubs, live entertainment.
- Top rate capped at $500 per monthly
Citi Custom Cash FAQ
What is the Citi Custom Cash annual fee?
The Citi Custom Cash has no annual fee.
What is the Citi Custom Cash signup bonus?
20,000 dollars for new cardholders meeting the minimum spend. Verified 2026-05-04. Check the issuer's site for the current offer.
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Sources & Verification
Card data last reviewed 2026-05-04.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.