Citi Custom Cash® Card

Citibank Mastercard Pending

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16

Benefits

11

Reward Categories

5x

Max Reward

18.2%

APR From

Basic Information

PENDING

Program ID: 408

Issuer: Citibank

Card Name: Citi Custom Cash® Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 04:59

Last Scraped: Feb 07, 2026 15:52

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 11 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Restaurants	5x	Cash Back	Purchases in this category are eligible to earn 5% cash back if it is your top eligible spend category in a billing cycle (up to $500 spent).	No Cap
Gas Stations	5x	Cash Back	Purchases in this category are eligible to earn 5% cash back if it is your top eligible spend category in a billing cycle (up to $500 spent).	No Cap
Grocery Stores	5x	Cash Back	Purchases in this category are eligible to earn 5% cash back if it is your top eligible spend category in a billing cycle (up to $500 spent).	No Cap
Select Travel	5x	Cash Back	Purchases in this category are eligible to earn 5% cash back if it is your top eligible spend category in a billing cycle (up to $500 spent).	No Cap
Select Transit	5x	Cash Back	Purchases in this category are eligible to earn 5% cash back if it is your top eligible spend category in a billing cycle (up to $500 spent).	No Cap
Select Streaming Services	5x	Cash Back	Purchases in this category are eligible to earn 5% cash back if it is your top eligible spend category in a billing cycle (up to $500 spent).	No Cap
Drugstores	5x	Cash Back	Purchases in this category are eligible to earn 5% cash back if it is your top eligible spend category in a billing cycle (up to $500 spent).	No Cap
Home Improvement Stores	5x	Cash Back	Purchases in this category are eligible to earn 5% cash back if it is your top eligible spend category in a billing cycle (up to $500 spent).	No Cap
Fitness Clubs	5x	Cash Back	Purchases in this category are eligible to earn 5% cash back if it is your top eligible spend category in a billing cycle (up to $500 spent).	No Cap
Live Entertainment	5x	Cash Back	Purchases in this category are eligible to earn 5% cash back if it is your top eligible spend category in a billing cycle (up to $500 spent).	No Cap
All Other Purchases	1x	Cash Back	Earns 1% cash back on all purchases outside of your top eligible spend category.	No Cap

Rewards Summary

PENDING

Reward Type: Flexible Rewards

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x Supermarkets, Restaurants, Gas Stations, Air Travel, Hotels

Quarterly Rotating: No

Expiration Policy: ThankYou Points do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 10x

Transfer Partners: Numerous airline and hotel partners including Aeromexico Club Premier, Air France-KLM Flying Blue, Avianca LifeMiles, Emirates Skywards, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards.

Redemption Penalties: Points are worth 0.5 cents each when redeemed for cash back.

Benefits & Protections (Detailed) 16 Total

PENDING

Customer Service 1

24/7 Customer Service

24/7 support

Access customer service assistance anytime, day or night, for your account needs.

Financial 1

No Annual Fee

There is no annual fee for this credit card.

Financial Management 2

Citi Mobile App Access

Full account management via app

Manage your account, view transactions, pay bills, and more on the go with the Citi Mobile App.

Free FICO Score Access

Free FICO Score

Get free access to your FICO Score online, helping you monitor your credit health.

Lifestyle 2

Citi Entertainment Access

Access to exclusive events

Get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences, and more.

Mastercard Priceless® Experiences

Exclusive experiences and offers

Access to unique experiences and offers in cities around the world, including dining, entertainment, sports, and more.

Rewards 2

5% Cash Back on Top Spend Category

5% cash back, up to $500 spent per billing cycle

Earn 5% cash back on purchases in your eligible top spend category each billing cycle, automatically. Eligible categories include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Live Entertainment, Select Streaming Services, Drugstores, Home Improvement Stores, and Fitness Clubs.

1% Cash Back on All Other Purchases

1% cash back

Earn 1% cash back on all other eligible purchases outside of your top spend category.

Security 4

Fraud Protection

Not responsible for unauthorized charges

Citi monitors your account for suspicious activity and will alert you to potential fraud. You are not responsible for unauthorized charges.

Customizable Account Alerts

Personalized notifications

Set up alerts for various account activities, such as large purchases, balance updates, or payment due dates, to stay informed.

Lost Wallet Service

Emergency card and cash replacement

If your card is lost or stolen, Citi can help you get an emergency replacement card and cash, typically within 24 hours.

Mastercard ID Theft Protection™

Identity theft monitoring and resolution

Provides identity theft resolution services, including monitoring for suspicious activity, alerts, and assistance with identity restoration if your identity is stolen.

Shopping 2

Contactless Payment Technology

Convenient payment method

Make secure purchases quickly and easily with contactless payment technology.

Digital Wallet Compatibility

Compatible with major digital wallets

Easily add your card to digital wallets like Apple Pay, Google Pay, and Samsung Pay for secure online and in-store purchases.

Travel 1

Mastercard Airport Concierge™

15% savings on airport meet and greet

A 15% savings on airport meet and greet services at over 700 airports worldwide, helping you navigate the airport with ease.

Travel/Emergency 1

Mastercard Global Service™

Emergency card/cash services worldwide

Provides 24/7 assistance with emergency card replacement, emergency cash advance, and lost/stolen card reporting while traveling.

Benefits Summary (Flags)

PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus

PENDING

$200

Cash Back

Requirement: Spend $1,500 in 180 days

Timing: ThankYou® Points will appear in your ThankYou® Account 1 to 2 billing periods after you have met the purchase requirement.

Fee Structure

PENDING

Annual Fee:	$0.00
Year 1 Waived:	No
Effective Annual Fee:	$0.00
Authorized User Fee:	$0.00
Min Interest Charge:	$0.50

Additional Fees

PENDING

Late Fee:	$41.00
Returned Payment:	$41.00
Balance Transfer:	Either $5 or 5% of the amount of each balance 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 & APR

PENDING

Standard APR

Purchase APR: 18.24% - 28.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 18 months

Intro BT APR: 0% for 18 months

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

670 - 850

Approval Odds

Very Good

Soft Pull Support

Supported

Application Process

Prequalification

Available

Preapproval

Available

Credit Bureau

Experian, Equifax, TransUnion

Issuer Rules & Policies

PENDING

Rules: To be eligible for the sign-up bonus on the '408' card, applicants must not have received a bonus for any card within the '408' card family in the past 24 months. This rule applies even if the specific card product name has changed or been updated. Additionally, applicants are generally expected to be new customers to this specific card product or have not held it in the last 48 months. All applications are subject to Citibank's general underwriting criteria and internal application velocity rules (e.g., limits on new accounts opened within specific timeframes, such as 1/8 or 2/65 rules, which are unofficial but commonly observed).

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Citibank accounts relative to income, rapid application for multiple Citibank cards (app-o-rama), unusual spending patterns inconsistent with declared income/occupation, frequent balance transfers with no new organic spend, repeated opening and closing of accounts solely for bonus acquisition (churning), and bust-out behavior (maxing out cards with no intent to repay).

Cliff Effect Rules: The 24-month rule is strictly enforced across the entire '408' card family. Earning a sign-up bonus on any card designated as part of the '408' family (e.g., '408 Preferred', '408 Premier', '408 Rewards') will render the cardholder ineligible for a bonus on any other card within the '408' family for a period of 24 months from the date the bonus was earned. This rule applies regardless of minor product variations or rebranding within the family.

Special Events: Not applicable for general purpose credit cards like the '408' family.

Holiday Promos: Citibank typically offers enhanced sign-up bonuses or special spending category promotions during major holiday periods, most notably in Q4 (Black Friday/Cyber Monday through year-end) and sometimes in Q1 (New Year/Valentine's Day) to attract new applicants.

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Users appreciate the straightforward rewards program and reliable customer service.

Top Negative:
Some users report high APRs if balances are carried and wish for more diverse reward categories.

Approval Experience: 80.0 / 100

Recommended Alternatives

Citi Double Cash Card
Citi Custom Cash Card
Chase Freedom Unlimited

Card Value Score: 70.0 / 100

Est. Annual Rewards: $350.00

Approval Probability: 75.0%

Version Control

PENDING

Version ID: v1.0