What makes this credit card offer different
This credit card offer should be judged by net value after annual fees and required spend, not just the welcome-bonus headline.
Credit Card
Citi Custom Cash Bonus — Up to $200
Sign up for Citi Custom Cash Bonus and earn up to $200 in bonus rewards.
Qualifying Period
within 6 months of account opening
Requirements
- ✓Spend $1,500 on purchases in first 6 months of account opening
- ✓$1,500 spend in first 6 months
- ✓Spend $1,500 on purchases in first 6 months
- ✓$1,500 in purchases within first 6 months of account opening
- ✓Min $1,500 spend in first 6 months
- ✓Spend $1,500 on purchases within 6 months of account opening
- ✓Spend $1,500 on purchases within first 6 months of account opening
- ✓Spend $1,500 on purchases within the first 6 months of account opening
- ✓Spend $1,500 on purchases within first 6 months
Restrictions
- ⚠No more than one bonus per 48 months
- ⚠Cannot convert from another Citi card that earned a bonus within 48 months
- ⚠New customers only
- ⚠One per customer in 48 months
- ⚠Cannot receive bonus if earned bonus on same card within past 48 months
- ⚠One per household (one account per customer)
- ⚠48-month bonus eligibility cooldown
- ⚠One bonus per customer in any 48-month period
- ⚠Not available if received bonus for this card in past 48 months
- ⚠Not available if converted another Citi card with bonus into this card in past 48 months
- ⚠One per person
- ⚠Must not have received a new account bonus for Citi Custom Cash in the past 48 months
- ⚠Must not have converted another Citi card with a new account bonus earned in the past 48 months to Citi Custom Cash
- ⚠One Citi Custom Cash account per person
- ⚠Not available if you received a bonus in the past 48 months
- ⚠No bonus if received a Citi Custom Cash bonus in the past 48 months
- ⚠One Citi Custom Cash Card account per person
- ⚠Not available if you received a bonus for this card in the past 48 months
Fees
- $0 annual fee
- 3% foreign transaction fee
- 5% balance transfer fee (minimum $5)
- 5% cash advance fee (minimum $10)
- Bonus fulfilled as 20,000 ThankYou Points redeemable for cash back
- Offer discontinued as of May 28, 2026 — no new applications accepted
- Bonus paid as 20,000 ThankYou Points redeemable for $200 cash back
- Card is no longer available to new applicants as of May 28, 2026
- Bonus fulfilled as 20,000 ThankYou® Points, redeemable for $200 cash back
- Bonus fulfilled as 20,000 ThankYou Points redeemable for $200 cash back
- Product no longer accepting new applications as of May 28, 2026
- Bonus fulfilled as 20,000 ThankYou Points
- ThankYou Points can be redeemed for cash back as statement credit, direct deposit, or check
- Cannot receive bonus if you converted another Citi card to Custom Cash
- Bonus is fulfilled as ThankYou Points with 1:1 redemption to cash back
- Cannot product-convert or convert from another Citi card that earned a bonus in the past 48 months to earn bonus
- 0% intro APR for 15 months on purchases and balance transfers
- Bonus is fulfilled as ThankYou Points, redeemable for $200 cash back
- Special offer: Additional 4% cash back on hotels, car rentals, and attractions booked with Citi Travel through June 30, 2026
- 48-month bonus waiting period applies
- Cannot convert from another Citi card if that card earned a bonus in past 48 months
- Bonus is fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back
- Points can be redeemed for cash as direct deposit, statement credit, check, or other options like travel or gift cards
- 0% intro APR on purchases and balance transfers for 15 months from account opening
- Eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment
- Bonus fulfilled as 20,000 ThankYou Points, redeemable for $200 cash back
- Cannot combine with recent conversions of other Citi cards on which a bonus was earned in past 48 months
- ThankYou Points earned as cash rewards can be redeemed as direct deposit, check, or statement credit
Last updated July 27, 2026
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How to evaluate Citi Custom Cash Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- within 6 months of account opening
How to qualify
- Spend $1,500 on purchases in first 6 months of account opening
- $1,500 spend in first 6 months
- Spend $1,500 on purchases in first 6 months
- $1,500 in purchases within first 6 months of account opening
Common pitfalls
- No more than one bonus per 48 months
- Cannot convert from another Citi card that earned a bonus within 48 months
- New customers only
- One per customer in 48 months
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,000 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
How long do I have to qualify for Citi Custom Cash Bonus?
The qualifying period listed for Citi Custom Cash Bonus is within 6 months of account opening.
