Custom Cash
CitiNo annual feeWorld Elite Mastercard3% foreign transaction feeIssuer's page
Not open to new applicants.
Already have it? Keep it.
Not open to applications
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$180 |
| Annual fee | $0 |
| First year | $180 |
| Each year after | +$250 |
Not counted in the first year: protections (each year after counts them).
With a Strata Premier: $400 a year
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Top eligible spend category each billing cycleup to $500 per billing cycle, then 1X | 5% (7.5%) |
| 5X | Hotels booked through Citi Travel | 5% (7.5%) |
| 5X | Attractions booked through Citi Travel | 5% (7.5%) |
| 5X | Car rentals booked through Citi Travel | 5% (7.5%) |
| 1X | Everything else | 1% (1.5%) |
Personal card · Earns Citi ThankYou Rewards
Benefits
Protections (2)
- Damage & Theft Purchase Protection, up to $1,000, Covers damage or theft within 90 days of purchase or delivery, up to $1,000 per incident and $50,000 per calendar year per account
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by up to 24 months. Total coverage up to 7 years from purchase date. Max $10,000 per item.
Other Perks
- Citi Entertainment presale access to exclusive events
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to trueOct 11, 2026
- changed from null to Custom CashOct 8, 2026
- changed from null to cash_backSep 30, 2026