Citi Custom Cash® Card
Basic Information
Program ID: 009
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 06:48
Last Scraped: 01/15/2026 05:02
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $1,500.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Air Travel, 3x Hotels, 3x Restaurants, 3x Supermarkets, 3x Gas Stations
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Air France-KLM Flying Blue, Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, EVA Air Infinity MileageLands, JetBlue TrueBlue, Qantas Frequent Flyer, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Wyndham Rewards
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the welcome bonus requires that you have not received a new cardmember bonus for any card within the '009' product family (or a closely related Citibank product family, as defined by Citibank's terms) in the past 24 months. Applicants must meet Citibank's general creditworthiness criteria, including a strong credit history and sufficient income. Citibank typically restricts new credit card applications to no more than one card every 8 days and no more than two cards every 65 days across all issuers. The specific welcome bonus offer entails earning a specified reward (e.g., points, cash back) after meeting a minimum spending requirement within the initial months of account opening.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3-6 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of non-eligible bills), rapid accumulation of high credit limits across multiple cards/issuers, bust-out fraud, frequent balance transfers without genuine spending, abuse of return policies for bonus spend, pattern of opening cards solely for bonuses and then closing them quickly (churning).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Users frequently praise the competitive rewards programs, robust mobile app, and reliable customer service. Many appreciate the flexibility in redeeming points and the various card options available to suit different spending habits.
Top Negative Feedback:
Some users report high APRs, occasional issues with foreign transaction fees on certain cards, and a desire for more transparent reward structures. A few mention challenges with navigating customer support for complex issues.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Citi Custom Cash Card
- Chase Freedom Unlimited
Card Value Score: 75.0 / 100
Est. Annual Rewards: $350.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: November 2023