HomeInsurance GuideEarn Up To 9 Points Per Dollar With This Citi Custom Cash Promo – Forbes Advisor – Technologist
Earn Up To 9 Points Per Dollar With This Citi Custom Cash Promo – Forbes Advisor – Technologist
February 28, 2024
Earn Up To 9 Points Per Dollar With This Citi Custom Cash Promo – Forbes Advisor
Jerod Morales is a deputy editor at Forbes Advisor and a travel rewards expert. He took a deep dive into points and miles in 2016, searching for a way to make travel both possible and affordable for his growing family. Now, as a dad to four sons, he and his wife enjoy introducing their kids to cultures and cities across the globe as often as they can.
Jerod Morales
Jerod Morales is a deputy editor at Forbes Advisor and a travel rewards expert. He took a deep dive into points and miles in 2016, searching for a way to make travel both possible and affordable for his growing family. Now, as a dad to four sons, he and his wife enjoy introducing their kids to cultures and cities across the globe as often as they can.
Editor
Over a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mission to see as much of the world as possible, and strives to give everyone the tools to get out and do the same with simple, actionable information.
Dylan Pearl
Over a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mission to see as much of the world as possible, and strives to give everyone the tools to get out and do the same with simple, actionable information.
Published: Feb 28, 2024, 12:56pm
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors’ opinions or evaluations.
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Citi ThankYou® Points Promo Details
Cardholders of the Citi Custom Cash® Card can earn an unlimited additional 4 ThankYou Points per dollar spent on hotels, rental cars and attractions booked through the Citi Travel portal powered by Booking.com.
Even better, this promo can stack with existing earnings on the Citi Custom Cash® Card. The Custom Cash regularly earns 5% cash back on purchases in a top eligible spend category each billing cycle, up to the first $500 in spending each billing cycle and 1% cash back on all other purchases. If travel is your top eligible spending category, you could earn 9 ThankYou Points per dollar, up to the first $500 spent in a billing cycle, on eligible travel booked through the Citi Travel portal. With this bonus, that’s 5 points per dollar for your top spending category plus the additional 4 points per dollar.
If eligible travel is not your top spending category, but instead it’s something like home improvement, earnings will accrue at 5 ThankYou Points per dollar spent instead of 9 points per dollar.
Featured Partner Offer
Up to 5% Reward Rate
5% cash back on up to $500 in purchases in your top eligible spend category each billing cycle. All otherRead More
Regular APR
19.24% – 29.24% (Variable)
Credit Score
Excellent, Good, Fair
Editorial Review
The Citi Custom Cash is a great option for people looking to maximize cash back rewards without having to worry about activating or selecting bonus categories.
Pros & Cons
No registration required to earn bonus rewards
Cash-back categories are unique categories that other cards may not offer bonus rewards for
Introductory APR on purchases and balance transfers
No annual fee
High balance transfer fee
High foreign transaction fee
Some everyday rewards categories are neglected
Card Details
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash® Card account per person.
Citi Promo Details
Valid through June 30, 2025
Eligible travel for the bonus includes hotels, rental cars and attractions
Flights are not considered eligible travel for this promo
Is the Citi Promo a Good Deal?
Earning more points is always a plus, but using an issuer’s travel portal is not usually the best way to book travel. The Citi Travel portal is run by Booking.com, a third-party platform. Most hotels will not honor elite status or allow you to earn points or elite night credit for reservations on third-party bookings like this.
This promo gets more interesting if you hold a card like the Citi Premier® Card. Pairing the Custom Cash with the Citi Premier® Card, you can combine the points and use them with over 15 airline and hotel transfer partners. Transferring points to an airline or hotel to book travel directly is often where you’ll get the most value from your points.
At the end of the day, if you max out this promo along with the ongoing category bonus, you’ll earn an additional 4,500 points each billing cycle through the end of the promotion. That’s 9 points per dollar on the $500 spending limit per billing cycle.
How To Maximize Citi ThankYou Points
Citi ThankYou Points transfer to popular airlines and hotels like JetBlue Airways, Turkish Airlines, Wyndham Rewards and more, with plenty of sweet spots to book.
One way to get the most out of your ThankYou Points is to transfer to Turkish Airlines Miles&Smiles miles at a 1:1 ratio and book a bargain flight to Hawaii. These award flights became more expensive recently after Turkish Airlines updated its award chart. But, you can still get to Hawaii from the U.S. on Star Alliance partner United Airlines for only 10,000 Turkish Miles&Smiles miles, whether you’re flying from Los Angeles, New York or somewhere inbetween.
New York to Honolulu for 10,000 miles
Los Angeles to Honolulu for 10,000 miles
Austin, Texas to Honolulu for 10,000 miles
Find the Best Travel Credit Cards for 2024
Find the best travel credit card for your travel needs.
Bottom Line
Citi ThankYou Points can add immense value to your travel plans and experiences. Earning points is half of the fun, and this promo allows you to earn at a significantly higher rate than the already elevated earnings on the Citi Custom Cash® Card. You can earn an additional 4,500 points each billing cycle through June 30, 2025 between this promo and the ongoing category bonus. Remember there are limitations to booking in Citi’s travel portal, so consider that before going out of your way to earn these extra points.
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Jerod Morales is a deputy editor at Forbes Advisor and a travel rewards expert. He took a deep dive into points and miles in 2016, searching for a way to make travel both possible and affordable for his growing family. Now, as a dad to four sons, he and his wife enjoy introducing their kids to cultures and cities across the globe as often as they can.
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