Citi Custom Cash℠ Card

Citibank Mastercard Pending

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11

Benefits

6

Reward Categories

4x

Max Reward

20.5%

APR From
Basic Information
PENDING

Program ID: 522

Issuer: Citibank

Card Name: Citi Custom Cash℠ Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 06:47

Last Scraped: Feb 07, 2026 16:24

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 6 Categories
PENDING
Category Rate Type Description Annual Cap Status
Gas 4x Cash Back Eligible gas and EV charging purchases. $7,000
Dining 3x Cash Back Restaurant purchases. No Cap
Travel 3x Cash Back Eligible travel purchases. No Cap
Costco Purchases 2x Cash Back All other purchases from Costco and Costco.com. No Cap
Gas 1x Cash Back Eligible gas and EV charging purchases after the first $7,000 per year. No Cap
All Other Purchases 1x Cash Back All other purchases. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 2x

Bonus 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

Benefits & Protections (Detailed) 11 Total
PENDING
Dining & Travel 1
Cash Back on Restaurants & Travel
3% cash back

Earn 3% cash back on eligible restaurant purchases and eligible travel purchases worldwide.

Financial 2
No Annual Fee
No annual fee (with paid Costco membership)

There is no annual fee for the Citi Costco Anywhere Visa Card, provided you have a paid Costco membership.

Annual Cash Back Redemption
Annual Costco cash reward certificate

Cash back rewards are received annually as a Costco cash reward certificate, which can be redeemed for merchandise or cash at U.S. Costco warehouses.

Lifestyle 2
Digital Wallets Compatibility
Compatibility with major digital wallets

Easily pay with your card using popular digital wallets such as Apple Pay, Google Pay, and Samsung Pay.

Contactless Payment
Tap to pay functionality

Tap to pay for fast and secure transactions at contactless-enabled terminals.

Security 2
$0 Liability on Unauthorized Charges
$0 Liability

You are not responsible for unauthorized charges made with your card, providing peace of mind against fraud.

Citi Identity Theft Solutions
Identity theft resolution assistance

Receive assistance with identity theft resolution services if your identity is compromised.

Shopping 3
Cash Back on Gas & EV Charging
4% cash back on first $7,000 per year, then 1%

Earn 4% cash back on eligible gas and electric vehicle (EV) charging purchases worldwide, including gas at Costco and Costco.com. This rate applies to the first $7,000 in eligible purchases per year, then 1% thereafter.

Cash Back on Costco & Costco.com
2% cash back

Earn 2% cash back on all other purchases made from Costco and Costco.com.

Cash Back on All Other Purchases
1% cash back

Earn 1% cash back on all other purchases made with the card.

Travel 1
Worldwide Acceptance
Global acceptance

Your card is accepted at millions of locations worldwide wherever Visa is accepted, making it convenient for international travel and purchases.

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
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
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 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: 20.49% - 28.49%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

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

Rules: Bonus Eligibility: New cardmembers only. Must not have received a bonus for this specific card (522) or any card within its designated product family within the last 24 months. This 24-month period is calculated from the date the previous bonus was received. Applicants must also adhere to Citibank's general application velocity rules, which for 2026 are expected to remain stringent, typically restricting new card applications to no more than 1 card in 8 days and 2 cards in 65 days across all Citibank products. Eligibility may also require a minimum credit score and income verification.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Citibank products, rapid application for multiple cards, unusual spending patterns inconsistent with income, repeated opening and closing of accounts for bonuses (churning), excessive credit limit requests without corresponding income increases, and payment defaults.

Cliff Effect Rules: The 24-month rule is a primary 'cliff effect' rule for Citibank. For the '522' card, receiving a bonus on any card within its designated product family (e.g., a '52X' series or a broader ThankYou Points family if applicable) will make an applicant ineligible for a bonus on the '522' card for 24 months from the date the previous bonus was received. This rule is strictly enforced to prevent bonus churning within related card products, meaning you cannot get a bonus on a 'sister' card within the family if you've recently received one on another.

Special Events: N/A - This is a general-purpose Citibank card, not a store-specific co-branded card.

Holiday Promos: Citibank typically offers enhanced sign-up bonuses or spending multipliers during key retail periods such as Black Friday/Cyber Monday (late November), the broader Holiday Season (December), and occasionally during Spring/Summer travel promotion windows.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.2 / 5.0

Top Positive:
Excellent rewards on gas and Costco purchases; Great for frequent Costco shoppers; No annual fee if you're a Costco member; Good travel and restaurant rewards.

Top Negative:
Rewards only redeemable once a year at Costco; Requires Costco membership; Lower rewards on general spending.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Capital One SavorOne Cash Rewards Credit Card
  • Amazon Prime Rewards Visa Signature Card

Card Value Score: 88.0 / 100

Est. Annual Rewards: $470.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0