Looking for Citibank Mastercard Cash Back?
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Información Adicional
Urban life moves fast—and your rewards setup should too. In the U.S., when people say “Citibank Mastercard cash back,” they almost always mean one—or both—of these Citi cards on the Mastercard network: Citi® Double Cash® and Citi Custom Cash®. One gives you a simple, flat‑rate earn; the other automatically boosts your top monthly category. This guide shows exactly how they work, where the big wins are, and how to automate the whole thing so it runs in the background of your life.
We’ll quantify realistic savings for a young, urban professional’s budget (groceries, restaurants, transit, streaming), explain when the Citi Travel portal is worth a click, and highlight fine print like foreign transaction fees and balance‑transfer exclusions. You’ll also get a plug‑and‑play monthly playbook that keeps you optimized with minimal effort.
If you want a clean, reliable system—no category juggling, no spreadsheet gymnastics—this walkthrough is for you. Skim the strategy, copy the numbers that match your lifestyle, and set up the automations. Your cash‑back engine will take it from there.
What “Citibank Mastercard Cash Back” Really Means in the U.S.
When U.S. blogs and search results mention “Citibank Mastercard cash back,” they typically point to two no‑annual‑fee Citi cards on the Mastercard network:
- Citi® Double Cash® — earns 2% total on purchases (1% when you buy + 1% as you pay). For hotels, car rentals, and attractions booked via Citi Travel, you get an additional 3% for 5% total during the current promo window. Rewards post as ThankYou® Points, redeemable for cash back and more.
- Citi Custom Cash® — pays 5% on your top eligible category each billing cycle (up to $500), and 1% on everything else. Through the Citi Travel portal you earn +4% on hotels, cars, and attractions; if travel is also your top category that cycle, that totals 9% on those bookings. Rewards are ThankYou Points that you can cash out easily.
Citi’s own comparison explainer confirms the promo end dates: Double Cash’s total 5% on portal hotels/cars/attractions runs through December 31, 2025; Custom Cash’s +4% portal earn runs through June 30, 2026.
Here’s a well-structured FAQ in US English using the questions you provided:
FAQ – Citibank Credit Card & Cashback
What is the Citibank 2% cash back Mastercard?
The Citibank 2% Cash Back Mastercard is a credit card that offers 2% cash back on eligible purchases. Typically, you earn 1% when you make a purchase and another 1% when you pay it off.
What is the Citibank 5% cash back credit card?
The Citibank 5% cash back card is designed to provide 5% cash back on select rotating categories each quarter (such as groceries, gas, or online shopping), and a lower percentage on all other purchases.
How do I claim my Citibank cash back?
You can redeem Citi cash back by logging in to your Citi online account or Citi mobile app. Redemption options usually include statement credits, direct deposits, checks, or gift cards.
How to get cash from Citi Mastercard?
You can withdraw cash using your Citi Mastercard at an ATM or bank that accepts Mastercard. This is called a cash advance and may include additional fees and higher interest rates.
How much is 20,000 Citi points worth?
On average, 20,000 Citi points are worth around $200 when redeemed for travel, gift cards, or statement credits. The value may vary depending on the redemption method.
How to redeem points on Citibank credit card?
You can redeem points through Citi ThankYou® Rewards. Log in to your account and choose from options like travel bookings, gift cards, shopping, or statement credits.
Which credit card has the best cash back?
The “best” card depends on your spending habits. Some cards offer flat-rate cash back, while others provide higher rewards in rotating or fixed categories. Citi’s Double Cash and Custom Cash are among the top contenders.
What is the Citi bonus for 2025?
Citi often offers limited-time sign-up bonuses for new cardholders. Check the latest Citi promotions on their website or in your account to see 2025 offers.
Is Citibank cashback card good?
Yes, Citi cashback cards are highly rated for flexibility, ease of redemption, and strong cash back rates compared to many competitors.
What is the best Citibank cashback card?
The Citi Double Cash® Card (2% cash back) and Citi Custom Cash℠ Card (5% back on top category each month) are often considered the best Citi cashback cards.
Which cashback card is best?
Overall, the best card depends on your lifestyle. If you want simplicity, a flat-rate card like Citi Double Cash is ideal. If you spend heavily in one category, the Citi Custom Cash might be a better choice.
How to waive Citibank annual fee?
Some Citi cards come with no annual fee. For those that do, you can sometimes request a waiver by calling customer service, especially if you’re a long-time customer with good account history.
How to use Citi card cash back?
Cash back can be applied as a statement credit, redeemed for gift cards, deposited into your bank account, or used for purchases through Citi’s rewards platform.
Can I transfer money from my credit card to my bank account?
Yes, you can transfer money from a Citi credit card to your bank account via a cash advance or balance transfer. Keep in mind that fees and higher interest rates usually apply.
How do I get a PIN number for my Citi credit card?
You can request or reset your PIN through Citi Online, the Citi mobile app, or by calling customer service. The PIN is required for cash advances and sometimes for international transactions.
Do Citibank points expire?
Yes, Citi ThankYou® Points generally expire after 60 months (5 years) from the date they are earned, unless otherwise specified.
How many Citi points equal $1 dollar?
Typically, 100 Citi points equal $1 when redeemed for gift cards or statement credits, making 1 point roughly equal to 1 cent.
How do I get 250,000 bonus Citi Rewards points?
Large sign-up bonuses like 250,000 Citi Rewards points are usually tied to premium cards or special promotions. They often require high spending thresholds within the first few months. Check Citi’s official offers for current eligibility.