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Citi Custom Cash
Giorgio Sarro
The Rich Grad Student
Citi Custom Cash
Secure Application
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Learn moreQuick Info
Points Program: Citi ThankYou Rewards
Spend Requirement: $1,500 in 3 months
Why we opened it!
The Citi Custom Cash offers 5% on the highest spending category of your choice up to $500 a month. This can be grocery stores, gas stations, restaurants, pharmacies, streaming, fitness clubs, transit and more. All without an annual fee. Choose the one category you will use your card.
The Citi Thank You Points earned with this card are transferable to American Airlines, a superpower and exclusivity of Citi cards.
RGS Value Table
| Category | Cash Back | Value (1.1cpp)Base travel value | Max Value (3cpp)Optimized redemption |
|---|---|---|---|
| Signup Bonus | $200good | N/A | N/A |
| Annual Fee | $0 | N/A | N/A |
| Annual Credits | $0 | N/A | N/A |
| Net Annual Fee | $0great | N/A | N/A |
| Travel | 5% (up to)great | 5.50% | 15% |
| Grocery | 5% (up to)rgs wallet | 5.50% | 15% |
| Gas | 5% (up to)great | 5.50% | 15% |
| Dining | 5% (up to)great | 5.50% | 15% |
| Pharmacy | 5% (up to)great | 5.50% | 15% |
| Other Purchases | 1%poor | 1.10% | 3% |
| Lounge Benefits | Nonepoor | N/A | N/A |
| Partner Benefits | Nonepoor | N/A | N/A |
| Misc Benefits | Nonepoor | N/A | N/A |
Signup Bonus
Key MetricAnnual Fee
Annual Credits
Net Annual Fee
Key MetricTravel
Key MetricGrocery
Gas
Dining
Key MetricPharmacy
Other Purchases
Lounge Benefits
Partner Benefits
Misc Benefits
Table Key:
*Point valuations shown are example redemptions; actual values vary by route, dates, and availability. Results not typical or guaranteed.
Additional Information
A great card to always and only use in the same category up to $500 a month. We use it exclusively at grocery stores when the Freedom Flex has no grocery bonus. Do not use it for anything else other than your category of choice.
Personal advice only. We are not a bank, lender, or financial advisor. Offers change, and banks do not endorse this content. Always read your cardmember agreement and fee schedule before applying or using any card. Use these recommendations at your own risk. You must be 21 years or older, and this website is not intended for undergraduate students. When you choose to apply (and are approved) for a credit card through our site, we may receive compensation from our partners, which may influence how or where these products appear. We only recommend products we genuinely believe benefit graduate students and decline offers that do not align with that goal.
