custom cash bonus rule
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I just finished updating my guide to Citi’s Bonus Eligibility Rules and realized that it’s not very well publicized that you are actually eligible for a bonus on a new Citi Custom Cash card (the card that earns 5% on you top spend category each month), even if you have received a bonus on a Citi Premier, Citi Prestige, or Rewards+ card within the last 24 months.

To clarify, if you were to open a Citi Premier or Rewards+, you would see this message:

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

Bonus ThankYou® Points are not available if you received a new cardmember bonus for Citi Rewards+℠, Citi ThankYou® Preferred, Citi ThankYou®Premier/Citi Premier℠ or Citi Prestige®, or if you have closed any of these accounts, in the past 24 months.

When the Citi Custom Cash launched, my assumption was that it would be lumped in to these same rules.

After all, while it’s billed as a cash back card, it earns ThankYou points the same way as a Rewards+, meaning that it earns ThankYou points worth a penny each – but can be combined with your Citi Premier or Citi Prestige card to “unlock” full ThankYou point transferability to partners (also see best ways to use Citi ThankYou points / the Citi Trifecta) including the limited time ability to transfer ThankYou points to American Airlines.

But it turned out not to be the case.

The Citi Custom Cash follows its own 48 month criteria:

This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. Citi will only issue one Citi Custom CashSMCard account per person. You will qualify for the bonus offer only if you have not received a bonus offer for opening a new Citi Custom CashSMCard in the past 48 months.

citi custom cash bonus rules

So, even if you recently got a Citi Premier 80,000 point bonus (get that offer), you can still supplement that bonus with the 20,000 point offer on a new Custom Cash card.

You can learn how to apply here.


Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group.

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You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.

I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at the South by Southwest festival, my love of the game intensified and this blog was born.


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