Citi Custom Cash® Card
Basic Information
Program ID: 522
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 06:47
Last Scraped: 01/15/2026 05:00
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% - 2,999.00%
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: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: N/A - No sign-up bonus offered for this card.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on your top eligible spend category (Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Live Entertainment, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs). This assumes ProgramId '522' refers to the Citi Custom Cash Card.
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, Flying Blue (Air France/KLM), JetBlue TrueBlue, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
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: The '522' card bonus is subject to Citibank's 24-month rule: applicants are ineligible for a bonus if they have received a bonus for any card within the same product family (e.g., ThankYou Points, AAdvantage) in the past 24 months. Application velocity rules for 2026 include a limit of one new Citibank card application within an 8-day period and no more than two new Citibank card applications within a 65-day period. Approval is also contingent on creditworthiness, existing credit limits with Citibank, and overall credit profile.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (especially gift card reselling, excessive payment cycling), high cumulative credit limit across Citibank accounts, rapid application for multiple cards (velocity), unusual spending patterns inconsistent with declared income, failure to pay on time, excessive balance transfers, account inactivity after bonus fulfillment, and suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.9 / 5.0
Top Positive Feedback:
Excellent cash back on gas, dining, and travel. No annual fee (with Costco membership). Great for frequent Costco shoppers and widely accepted as a Visa card.
Top Negative Feedback:
Cash back is only issued once a year and must be redeemed at Costco. Requires an active Costco membership. Lower rewards on general spending outside of bonus categories.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
- Blue Cash Preferred Card from American Express
Card Value Score: 82.0 / 100
Est. Annual Rewards: $530.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 20% Store / 80% General
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 80.0%