Chip Lupo, Credit Card Writer
@CLoop
The Citi Custom Cash® Card categories for bonus rewards are restaurants; gas stations; grocery stores; select travel, transit, and streaming services; drugstores; home improvement stores; fitness clubs; and live entertainment. Purchases that fall into the Citi Custom Cash bonus categories get cardholders extra rewards compared to the card’s base earning rate.
Whether a purchase falls into a card’s bonus categories depends on “Merchant Category Codes,” which are assigned by the major credit card networks to merchants based on what kind of business they conduct. So, if a merchant has the MCC for “restaurants,” for example, purchases made at that merchant will earn bonus rewards on cards that include “restaurants” as a bonus category.
If you’re looking to get a rewards credit card, it’s a good idea to choose a card that offers the opportunity to earn bonus rewards in your most frequent purchase categories. So, if you spend a lot in the categories offered on the Citi Custom Cash, it may be a good card for you.
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