Citi Points Calculator: Citi Custom Cash℠ Card
Fees
Earning Rates
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
- Earn unlimited 1% cash back on all other purchases.
Rewards Details
- Citi Custom Cash points are worth 1 cent each when redeemed for cash back, statement credits, travel, and pretty much everything else.
- Citi Custom Cash points can be transferred to the Citi Strata Premier℠ Card which allows you to transfer points to Citi's airline and hotel partners. This can give your points as much as 2 cents or more in value.
Our Take
Card Details
Citi Custom Cash Card earning rate
The Citi Custom Cash earns ThankYou Rewards points that can be redeemed for cash back and other rewards. It earns points at the following rates:
- 5% cash back on your top eligible spend category each billing cycle up to $500 spent.
- 1% cash back thereafter on all other purchases.
These are the 5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.
Calculator: Citi Custom Cash Card points value
Citi Custom Cash Card benefits
Here are the main benefits of the Citi Custom Cash Card:
- Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- Maximizes Cash Back Automatically: No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
Calculator: Citi Custom Cash Card points transfer
If you want access to all of Citi's airline and hotel partners, you will want to pick up one of Citi's premium cards. Those cards are:
- Citi Strata Premier℠ Card
- Citi Prestige® Card (currently unavailable to new applicants)
Since Citi ThankYou points can be moved between card accounts, you can move your Citi Custom Cash points to one of the eligible cards above first. Once moved, you will then have the ability to use your points with all partners at the best transfer ratios.
Here's the full list of Citi transfer partners:
Citi Custom Cash Card fees
Annual Fee
The Citi Custom Cash has an annual fee of $0.
This is great for a cash back card that can earn up to 5% back. Even if you use it strictly for one eligible category, the card is easily worth picking up, especially if you are dedicated to the Citi ThankYou Rewards ecosystem.
Authorized User Fee
There is no fee to add authorized users to the Citi Custom Cash Card. Adding family and friends can help you earn cash back faster and max out the $500 cap on the 5% back category.
Foreign Transaction Fee
The Citi Custom Cash has a foreign transaction fee of 3%. That makes this a very bad card for international spending and travel.
Citi Custom Cash Card points and card value calculator
Use the Citi Points Calculator to determine how many points you can earn with the Citi Custom Cash Card based on the monthly or yearly spending amounts you enter.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
