Is the Citi Custom Cash Card subject to Chase 5/24?

No, the Citi Custom Cash Card is issued by Citi, not Chase, so it is not subject to Chase's 5/24 rule. However, Citi has its own application rules regarding how frequently you can apply for new cards and bonus eligibility.

What credit score do I need for the Citi Custom Cash Card?

A 'good' credit score is generally recommended for approval for the Citi Custom Cash Card.

Can I get the Citi Custom Cash Card bonus twice?

You are generally ineligible for the welcome bonus if you have opened or closed a Citi Custom Cash Card within the last 48 months. Additionally, Citi has a broader rule where you may be ineligible for a bonus if you've opened or closed a card in the same ThankYou Points family within the last 48 months.

Does the Citi Custom Cash Card have an annual fee?

No, the Citi Custom Cash Card has a $0 annual fee.

What are ThankYou Points worth from the Citi Custom Cash Card?

The 20,000 ThankYou Points welcome bonus is estimated to be worth $200, redeemable for travel, statement credits, or gift cards.

Does the Citi Custom Cash Card have foreign transaction fees?

Yes, the Citi Custom Cash Card does charge foreign transaction fees, making it less ideal for international purchases.

Citi Custom Cash Card: $200 Bonus & 0 Fee (June 2026)

The Citi Custom Cash Card currently offers a welcome bonus of 20,000 ThankYou Points, valued at $200, after meeting the minimum spend. This card is worth considering for its $0 annual fee and flexible rewards. Eligibility typically requires a good credit score, and applicants must navigate Citi's specific application rules, including a 48-month bonus restriction for this card.

This card is particularly appealing for churners due to its straightforward bonus and no annual fee, which means no ongoing cost to hold the card. The ThankYou Points earned are versatile, redeemable for travel, statement credits, or gift cards, offering flexibility in how you utilize your rewards. Understanding Citi's application ecosystem, including rules around how frequently you can apply for new cards and bonus eligibility across card families, is crucial for successfully securing this offer. This guide will detail the current offer, eligibility requirements, and strategic considerations for adding the Citi Custom Cash Card to your churning portfolio as of June 2026.

Current Welcome Bonus & Value

As of June 2026, the Citi Custom Cash Card offers a welcome bonus of 20,000 ThankYou Points (TYP). This bonus is estimated to be worth $200 when redeemed through Citi's ThankYou Rewards program. ThankYou Points provide flexibility, allowing redemptions for travel, statement credits, or gift cards.

Minimum Spend to Earn It

To earn the 20,000 ThankYou Points welcome bonus, you must spend $1,500 on eligible purchases within 90 days of account opening.

Who's Eligible?

Securing the Citi Custom Cash Card bonus requires meeting specific eligibility criteria and navigating Citi's application rules:

Credit Score: A good credit score is generally required for approval.
Citi Custom Cash Bonus Rule: You are ineligible for the welcome bonus if you have opened or closed a Citi Custom Cash Card within the last 48 months.
Citi Application Frequency Rules: Citi has strict rules regarding how often you can apply for new cards:
- You can generally be approved for approximately 1 Citi card per 8 days.
- You can generally be approved for approximately 2 Citi cards per 65 days.
Citi 48-Month Family Rule: Beyond the specific Custom Cash rule, Citi also has a broader policy where you may be ineligible for a bonus if you've opened or closed a card within the same ThankYou Points family within the last 48 months. This rule can vary by card family.

Is It Worth It?

Considering the current offer, the Citi Custom Cash Card presents a compelling opportunity for churners:

Pros:

No Annual Fee: The card carries a $0 annual fee, making it a cost-effective option to hold long-term without ongoing expenses.
Valuable Welcome Bonus: A $200 bonus for a no-annual-fee card is a solid return for the minimum spend.
Flexible Rewards: ThankYou Points are versatile, offering redemption options for travel, statement credits, or gift cards, allowing you to choose what best suits your needs.

Cons:

Foreign Transaction Fees: The card charges foreign transaction fees, making it less ideal for international spending.
Complex Application Rules: Citi's specific application frequency and bonus eligibility rules (like the 48-month restrictions) require careful planning for successful churning.

How to Apply

To apply for the Citi Custom Cash Card, visit the official Citi website. Ensure you review the most current terms and conditions before submitting your application. It's advisable to check your credit score beforehand to gauge your likelihood of approval.

Alternatives

If you're exploring other Citi cards or looking for additional ThankYou Points opportunities, consider these related options from Citi:

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

Citi Custom Cash Card — 20,000 points bonus