Is the Citi Custom Cash worth a spot in your wallet?

The honest math on the Citi Custom Cash: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.

Citi · No annual fee · earns Citi ThankYou Points

Closed to new applicants.

Earning rates

5x Top eligible spend category each billing cycle (auto-selected) ($500 spent per billing cycle in whichever eligible category you spend the most (≈$6,000/yr if maxed every cycle), then 1% in that category for the rest of the cycle)
1x All other purchases (unlimited)

Protections and perks (1)

Extended Warranty — Extends the manufacturer's warranty on eligible purchases by up to 24 months.

Card data verified against Citi on 2026-08-21.

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