Citi Custom Cash® Card

Citibank Mastercard Pending

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14

Benefits

2

Reward Categories

5x

Max Reward

20.2%

APR From
Basic Information
PENDING

Program ID: 430

Issuer: Citibank

Card Name: Citi Custom Cash® Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 06, 2026 18:04

Last Scraped: Feb 07, 2026 15:49

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Citibank offers a Military Annual Percentage Rate (MAPR) of 36% for covered borrowers, as per the Military Lending Act (MLA). This includes certain fees such as membership fees and application fees.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Top Eligible Spend Category 5x Cash Back Earn 5% cash back on purchases in your top eligible spend category each billing cycle. Eligible categories include Restaurants, Gas Stations, Grocery Stores, Drugstores, Home Improvement Stores, Fitness Clubs, Live Entertainment, Travel, Transit, and Select Streaming Services. No Cap
All Other Purchases 1x Cash Back Earn 1% cash back on all other purchases outside of your top eligible spend category. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 2x

Quarterly Rotating: No

Expiration Policy: Cash back rewards do not expire as long as your account is open.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption amount of $25 for direct deposit or statement credit.

Benefits & Protections (Detailed) 14 Total
PENDING
Convenience 2
Digital Wallet Compatibility
Compatibility

Easily add your card to Apple Pay, Google Pay, and Samsung Pay for secure and convenient payments.

Contactless Payment
Convenience

Tap to pay securely at millions of merchant locations worldwide without swiping or inserting your card.

Customer Service 1
24/7 Customer Service
24/7 support

Access customer service representatives 24 hours a day, 7 days a week for assistance with your account.

Financial 3
No Annual Fee
$0

Enjoy all the benefits of the card without paying an annual fee.

Introductory APR for Purchases
0% APR for X months

Enjoy a 0% introductory APR on purchases for a specified period (e.g., 15 months) from account opening. After that, the variable APR will apply.

Introductory APR for Balance Transfers
0% APR for X months

Enjoy a 0% introductory APR on balance transfers for a specified period (e.g., 15 months) from account opening. Balance transfers must be completed within a specific timeframe (e.g., 4 months) of account opening. After that, the variable APR will apply.

Lifestyle 1
Citi Entertainment
Exclusive access

Access to presale tickets and exclusive experiences for thousands of events, including concerts, sporting events, and dining experiences.

Rewards 2
5% Cash Back on Top Eligible Spend Category
Up to 5% cash back on $500 spent per billing cycle

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent. Eligible categories include restaurants, gas stations, grocery stores, travel, transit, streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

1% Cash Back on All Other Purchases
1% cash back

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

Security 5
Fraud Protection / Zero Liability
Full protection

You will not be held responsible for unauthorized charges made with your card.

Citi Identity Theft Solutions
Assistance services

Get assistance if you become a victim of identity theft, including help with restoring your identity.

Account Alerts
Notification service

Receive email or text alerts for important account activity, such as large purchases, payments due, or suspicious activity.

Lost Wallet Service
Assistance service

Get assistance if your wallet is lost or stolen, including help with canceling and replacing cards.

Emergency Card Replacement
Expedited replacement

Receive an expedited replacement card if yours is lost or stolen, typically within 1-2 business days.

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: Bonus points will post to your account within 1-2 billing cycles after you meet the spending 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: 20.24% - 28.24%

Balance Transfer APR: 20.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro BT APR: 0% for 18 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for a welcome bonus on a Citibank '430' family card requires that the applicant has not received a bonus for *any* card within the same product family (e.g., ThankYou, Custom Cash, etc.) within the last 24 months. This rule applies even if the applicant has closed a previous card from that family. Applicants must also meet Citibank's general creditworthiness criteria, including a good to excellent credit score. Citibank may also consider application velocity, such as the number of new accounts opened with Citibank or other issuers within a recent period (e.g., an unwritten '8/65' rule where more than 8 new accounts in 65 days could lead to denial).

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of rent/mortgage via third-party services with high fees), high cumulative credit limit across all Citibank products, rapid application for multiple cards (velocity), defaulting on other Citibank accounts, credit cycling, or lack of organic spend on the card.

Cliff Effect Rules: The primary cliff effect rule for Citibank's '430' program family is the 24-month bonus eligibility restriction. If an applicant has received a welcome bonus on *any* card within the same product family (e.g., different versions of a ThankYou card, or a Custom Cash card if '430' is part of that family) within the last 24 months, they will be ineligible for a new bonus on another card in that family, even if they are approved for the card. This means careful planning is required to maximize bonus acquisition across different Citibank products, as obtaining one bonus can 'cliff' eligibility for others in the family for two years.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
Reliable customer service, good online banking experience, and competitive rewards programs for general spending.

Top Negative:
High APR for balances carried, occasional issues with reward redemption, and limited premium benefits compared to higher-tier cards.

Approval Experience: 85.0 / 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: 2024-05-01

⚠️ Change Alert: Important Changes to Your Account Terms

Summary of Changes:

We have updated the terms and conditions for your account. Please review the updated terms carefully.