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The Citi Custom Cash^℠ Card is a Mastercard credit card that provides cardmembers with opportunities to earn cash back. Cardmembers never have to sign up for rotating bonus categories. Customers will earn 5% cash back on purchases in the top eligible spend category each billing cycle, up to the first $500 spent. After that, cardmembers will earn 1% on purchases in that category. Cardmembers will also earn unlimited 1% cash back on all other purchases. Cash back is earned in the form of ThankYou^® Points. This means each billing cycle, you will earn 5 points per $1 on purchases in your top eligible spend category up to the first $500 spent, and 1 point per $1 on all other purchases. Points can be redeemed for cash back as a statement credit, direct deposit, or check or for gift cards, travel, or Shop with Points at Amazon.com or PayPal.

Cash back is earned in the form of ThankYou^® Points. Cardmembers earn:

• 5 points per $1 on purchases in your top eligible spend category each billing cycle, up to $500 spent and 1 Point per $1 on purchases in that category thereafter.
• 1 point per $1 spent on all other purchases.
• ThankYou^® Points can be redeemed for cash back as a statement credit, direct deposit, check or in a variety of other ways from gift cards to travel to Shop with Points at Amazon.com and PayPal. Redemption rates may vary.

Citi Custom Cash^℠ Card lets you redeem your points in a variety of ways:

1. ThankYou^® Points can be easily redeemed for cash back such as a statement credit, direct deposit or check. For example, you can redeem 10,000 ThankYou^® Points for a $100 statement credit, a $100 Check by Mail, or as a $100 direct deposit to your bank account.
2. You can also redeem your points for other rewards such as gift cards, Shop with Points at Amazon.com, travel and more. Redemption rates may vary.
3. There are no minimums when you redeem for a statement credit or direct deposit.

Visit ThankYou.com to learn more.

In addition to never having to sign up for rotating bonus categories, Citi Custom Cash^℠ Card offers other benefits such as:

• Add Authorized Users at no cost and earn points on purchases they make.
• Enjoy your contactless-chip enabled card and make everyday purchases quickly and safely.

There is no limit to the amount of cash back you can earn on your Citi Custom Cash^℠ Card. However, you will only earn 5% cash back on up to the first $500 of purchases in your highest eligible spend category each billing cycle. All other purchases, including purchases in the highest eligible spend category above the $500 spend, will earn an unlimited 1% cash back.