Citi Custom Cash: apply or wait?
Offer data captured May 10, 2026 from Citi. Card facts verified May 10, 2026.
Today's public offer
20,000 Citi ThankYou Points after $1,500 in 6 months — its standard level.
What gates this card
- Duplicate holdings: the check stops if you already hold this exact card.
- Citi 48-month rule: Citi bonuses are generally unavailable within 48 months of opening or closing the same card.
- Minimum-spend feasibility: $1,500 over 6 months ($250 per month) against your stated spend.
The first-year math
- Annual fee
- $0.
- Credits counted at usable value
- $0 before your spend is supplied.
- Break-even
- $0 after usable credits.
- Cash framing
- $200 in first-year value.
- Transferable points framing
- $380 in first-year value.