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Citi Custom Cash Card

Citi

4.5/5TheFireWallet Rating

The Citi Custom Cash automatically gives you 5% back on whichever eligible category you spend the most in each billing cycle. No sign-ups, no rotating — just spend and it adjusts.

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Key Details
Annual Fee
$0
APR
17.49% - 27.49%
Credit Score
Good
Rewards
5% on your top eligible spend category each billing cycle (up to $500 spent)
Signup Bonus
$200 cash back after spending $1,500 in 6 months
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Pros & Cons

Pros

  • +5% on your top spending category automatically — no activation needed
  • +10 eligible 5% categories including dining, groceries, gas, streaming
  • +0% intro APR for 18 months on balance transfers

Cons

  • -$500/billing cycle cap on 5% category
  • -Only 1% on non-top-category spending
  • -Limit of one Citi Custom Cash card per person
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Compare

Compare Citi Custom Cash Card with other cards

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