8
Benefits2
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards 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, up to the first $500 spent. Eligible categories include: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment. | No Cap | |
| All Other Purchases | 1x | Cash Back | Earn 1% cash back on all other purchases, including those made after the $500 monthly cap in your top eligible spend category. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 8 Total
PENDINGConvenience 2
Digital Wallet Compatibility
Secure and convenient payment optionsEasily add your Citi Custom Cash Card to popular digital wallets like Apple Pay®, Google Pay™, and Samsung Pay® for secure and convenient payments.
Contactless Payment
Fast and secure payment methodTap to pay securely at millions of merchant locations worldwide wherever you see the contactless symbol.
Lifestyle 1
Citi Entertainment Access
Exclusive access to entertainment eventsAccess to presale tickets and exclusive experiences for thousands of concerts, sporting events, dining experiences, and more.
Rewards 2
5% Cash Back on Top Eligible Spend Category
5% cash back on up to $500 spent per billing cycleEarn 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, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.
1% Cash Back on All Other Purchases
1% cash backEarn 1% cash back on all other purchases outside of your top eligible spend category, and on purchases within your top category after the $500 spending limit is reached.
Security 3
Zero Liability Fraud Protection
Full protection against unauthorized chargesYou will not be held responsible for unauthorized charges made with your card or account information.
Citi Identity Theft Solutions
Identity theft resolution assistanceAssistance with identity theft resolution services if your identity is stolen. Includes help with notifying creditors, disputing fraudulent charges, and replacing important documents.
Customizable Account Alerts
Real-time account monitoringReceive alerts via email or text message for important account activity, such as large purchases, payments due, or suspicious transactions, to help monitor your account.
Benefits Summary (Flags)
PENDINGExtended 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 BackRequirement: Spend $1,500 in 180 days
Timing: Bonus ThankYou® Points will appear in your ThankYou® Account 1-2 billing cycles after you meet the spend requirement.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual 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
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 21.24%
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
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Applicants for a Citi ThankYou Rewards card (often internally referred to by '920' for a specific product or offer within the family) are generally eligible for a welcome bonus if they have not received a new cardmember bonus for *any* card within the ThankYou Rewards family (e.g., Citi ThankYou Preferred, Citi Premier, Citi Prestige) in the past 24 months. This rule also typically applies to having closed any ThankYou Rewards card account within the same 24-month period. Eligibility is further subject to Citi's general application frequency rules, such as not applying for more than one Citi card in 8 days, or more than two Citi cards in 65 days.
Max Cards Per Issuer: 8
Min Spend Interval: 3 months
Cliff Effect Rules: The 24-month rule acts as a 'cliff effect' for the Citi ThankYou Rewards family. Receiving a welcome bonus on any card within this family (e.g., ThankYou Preferred, Premier, Prestige) makes an applicant ineligible for a bonus on *any other* card in the same family for 24 months from the date the bonus was received. This rule is designed to prevent 'churning' of bonuses across different products within the same rewards program.
Special Events: N/A
Holiday Promos: N/A
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
Reliable customer service, good general rewards, widely accepted.
Top Negative:
Potentially high APR for some, rewards structure can be complex.
Approval Experience: 88.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Citi Custom Cash Card
- Chase Freedom Unlimited
Card Value Score: 80.0 / 100
Est. Annual Rewards: $250.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: February 2024