Citi Custom Cash
Automatic 5% on your top category every month. Zero effort.
★ 8.4/10CitipersonalCiti ThankYou Points
View Current OfferBest for: Set-and-forget 5% category
Welcome Bonus
20,000
≈$200 value
Spend Requirement
$1,500
in 6 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $200 cash back
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Sign-Up Bonus (points)Spending Requirement ($)
Last verified 2026-01-15 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xTop eligible category each cycle ($500 cap)
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No activation needed, adapts monthly
- ✦Pools into ThankYou ecosystem
Why it earns its spot
- +5x with zero management
- +Stack multiples for different categories
Where it costs you
- −$500 monthly cap
- −1x outside the top category
The Compound Verdict
Point it at gas or groceries and forget it. Many players hold two or three and dedicate each to a category lane.
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