Citi Custom Cash Card Reward Points: Value, Check & Redeem Guide (2026)
Point Value
1¢ per point (5% on top spend category)
Expiry
No expiry while account is open
Redemption Options
3
Last Updated
24-Mar-2026
Citi ThankYou Points Value in 2026
Automatically earns 5% cash back on your top eligible spend category each billing cycle (up to $500, then 1%). Categories include restaurants, gas, groceries, travel, transit, streaming, drugstores, home improvement, fitness, and live entertainment. No annual fee.
How to Check Your Citi ThankYou Points Balance
Citi Mobile App
- 1Open the Citi Mobile app
- 2Select your Custom Cash card
- 3View ThankYou Points balance
Citi Online
- 1Log in to citibankonline.com
- 2Go to 'ThankYou Rewards' section
- 3View your points balance
Customer Care
- 1Call Citi customer service
- 2Authenticate your identity
- 3Ask for your ThankYou Points balance
Number: 1-800-842-6596
How to Redeem Citi ThankYou Points
Cash Back / Statement Credit
Best ValueRedeem as cash back — direct deposit or statement credit
Value: 1 cent/point
Transfer to Travel Partners (with Citi Premier)
Best ValuePool with Citi Premier to access airline transfer partners
Value: 1 - 2+ cents/point
Gift Cards
Redeem for gift cards
Value: ~1 cent/point
Best Redemption Strategy
Pair with Citi Premier to transfer ThankYou Points to airline partners. Otherwise, cash back at 1 cpp is solid — the value comes from the 5% automatic earning rate.
Expiry Policy
ThankYou Points do not expire as long as you have an active account.
Exclusions
- ×5% category is capped at $500 in spend per billing cycle
- ×Only one category gets 5% — it's whatever you spend the most on that cycle
- ×3% foreign transaction fee
- ×Cannot transfer to partners without a Citi Premier
Pro Tips
- 💡5% automatically on your top spending category each month — no activation needed
- 💡Eligible 5% categories: restaurants, gas, grocery, travel, transit, streaming, drugstores, home improvement, fitness, live entertainment
- 💡Strategy: dedicate this card to one category (e.g., only grocery) to guarantee 5% on that category
- 💡No annual fee — low-cost way to get 5% on a specific category
- 💡Pair with Citi Premier to unlock transfer partners for ThankYou Points
- 💡Consider holding multiple Custom Cash cards to get 5% in different categories
- 💡0% intro APR for 15 months on purchases and balance transfers
Related Guides
Information is for reference only. Point values and policies may change. Always verify with Citi official sources. Last updated: 24-Mar-2026.