Bonus introGet $200 in cash after spending $750 on purchases within the first 3 months of opening an account. This bonus offer will be redeemed for 20,000 ThankYou® points redeemable for $200 cashback.
per annum14.74% – 24.74% (variable)
- Get 5% cash back on purchases in the most eligible spend category in every billing cycle, up to the first $500 spent, then 1% cash back.
- Get unlimited 1% cash back on all other purchases.
Introductory purchase in April0% for 15 months on purchases
Introduction: annual balance transfer0% for 15 months on balance transfers
Balance transfer feeA balance transfer fee is charged with this offer 5% of each balance transfer; minimum 5 dollars.
Balance transfer per year14.74% – 24.74% (variable)
The late payment feeUp to $40
Foreign transaction fee3%
Penalties per annumUp to 29.99% (variable)
Reward and Redemption Information
The Citi Custom Cash℠ Card works in rotating categories for the best rewards, giving you 5% cashback in some categories, up to $500, after which you go to a flat fee of 1%. The category changes based on your own shopping habits, including spending at places like restaurants, gas stations, grocery stores, and pharmacies. You can even earn from real-time entertainment purchases.
All other purchases receive unlimited 1% cashback on your other purchases. You will also receive 0% initial annual interest for the first 15 months on both your purchases and balance transfers.
Cashback is issued through ThankYou® Points, but you have the option to use them however you like, with credit statement, direct deposit, or check options. You can also redeem your points for travel, gift cards, and even Amazon.com for easy and flexible redemption. There is no annual fee to discount your earnings, so you can put your money where it works best.